Financing built for builders, not homeowners
Construction business financing,
done right
Equipment loans, working capital, commercial construction, and fix & flip funding — all compared in one place. Free quotes, no hard credit pull.
7.99%+
Starting rate
$5M
Max financing
1–5 days
Funding speed
Best Construction Business Lenders (2026)
Reviewed and ranked by loan terms, construction-industry experience, and funding speed.
Best Overall — Same-Day Funding Across Six Loan Types Ad
Best Line of Credit for Cash Flow
Best Invoice Factoring for Contractors
Rates as of June 2026. Advertising disclosure.
Financing options
Construction financing by type
Whatever your business needs — equipment, capital, or a build loan — there's a product and a lender for it.
Equipment Financing
Finance excavators, skid steers, cranes, and fleet trucks. New or used. Keep cash in the business and use Section 179.
Explore →Construction Business Loans
Working capital, term loans, and startup funding for contractors and construction companies.
Explore →Commercial Construction Loans
Ground-up, multifamily, and development financing for builders and developers.
Explore →Fix & Flip / Hard Money
Purchase-plus-rehab and bridge loans for real estate investors and spec builders. Fast closes.
Explore →Working Capital & Cash Flow
Lines of credit and invoice factoring to bridge slow-paying clients and Net 30/60 terms.
Explore →Contractor & Trade Financing
Financing built for roofing, HVAC, plumbing, electrical, and other specialty trades.
Explore →7.99%–12%
Typical rate range for established contractors
$10K–$5M
Financing amounts across products
24–48 hrs
Invoice factoring funding speed
600+
Minimum FICO at many construction lenders
Construction Finance Learning Center
Guides for every stage — from buying your first machine to managing cash flow across projects.
How Construction Loans Work
Draw schedules, interest-only periods, and how funding is released stage by stage.
Construction Loan Calculator
Estimate monthly payments on any loan amount, rate, and term.
SBA & Surety Bonds
How SBA 7(a) and 504 work for construction firms, plus surety bonding basics.
Equipment Leasing vs Buying
When to lease, when to finance, and how Section 179 changes the math.
Surviving Slow-Paying Clients
How contractors use factoring and lines of credit to fix Net 30 cash-flow gaps.
Funding a New Construction Business
Startup capital options when you have limited time in business.
Ready to Finance Your Construction Business?
Pre-qualify in minutes. Compare multiple lenders. No hard credit pull.
Get Free Financing Quotes →