From equipment purchases to bonding capital to bridge financing between draws, we fund general contractors, subcontractors, roofers, plumbers, electricians, HVAC firms, and specialty trades. Get approved based on your business — not just your credit score.
Construction financing is different. Long payment cycles, seasonal work, weather delays, and equipment-heavy operations mean generic small business loans often don't fit. We underwrite construction businesses the way they actually operate — factoring in project pipeline, retainage, bonding capacity, and equipment value alongside the standard metrics.
Whether you need to buy a new excavator, cover payroll during a slow winter, take on a bigger contract than your reserves can support, or bridge between project draws, we have a product built for it.
Equipment upgrades. Buy that new machine when the deal is right, not when you can afford to drain reserves.
Payroll gap financing. Cover crew payroll through seasonal slowdowns or between milestone payments.
Bidding on bigger jobs. Take on contracts that require more working capital than you have on hand.
Retainage bridge. Access capital tied up in retainage without waiting for project completion.
Fleet expansion. Add trucks and trailers to grow capacity for the season ahead.
Every business is different, but these are the products that fit most construction businesses best. A funding advisor will help you pick the right one for your situation.
No application fee. No impact on your credit. A real conversation about whether SBA is the right tool for what you're trying to do.