Construction business loans, simplified.
From ground-up builds to bridging gaps between project payments — we connect contractors with fast, flexible funding built for the construction industry.
The Challenge
Construction runs on cash flow
Contractors often pay for materials, labor, and equipment weeks or months before receiving payment on a job. Between net-60 invoices, change orders, bonding requirements, and seasonal slowdowns — access to working capital can determine whether you bid on the next project or sit it out.
Equipment & Machinery
Excavators, skid steers, lifts, and specialty tools are expensive to buy and maintain — but critical for winning contracts.
Payroll & Subcontractors
Crews need to be paid weekly regardless of when the GC or property owner releases payment on the project.
Slow-Paying Invoices
Net-30, net-60, and retainage holdbacks mean your cash is locked up in receivables while expenses keep coming.
Seasonal Gaps & Growth
Weather-dependent schedules, bonding capacity, and new project ramp-ups all create cash flow pressure at the worst times.
Financing Options
Choose the right financing for your construction business
Every project has different capital needs. Here's how our products map to the most common contractor scenarios.
Business Line of Credit
Draw funds as needed for materials, permits, and day-to-day project costs. Only pay interest on what you use, and replenish as invoices are collected.
- Amount
- $5K – $250K
- Speed
- 1–2 days
- Min. FICO
- 600+
Business Term Loan
A lump sum with fixed payments for large planned investments — fleet expansion, new warehouse space, or scaling your operation to take on bigger contracts.
- Amount
- $5K – $500K
- Speed
- 2–5 days
- Min. FICO
- 650+
Equipment Financing
Finance up to 100% of heavy equipment, vehicles, and specialty tools. The equipment itself serves as collateral — no additional assets needed.
- Amount
- Up to 100%
- Speed
- 2–7 days
- Min. FICO
- 600+
Revenue-Based Financing
Get a lump sum based on your future revenue — repaid as a percentage of daily or weekly sales. Ideal when you need capital fast to mobilize on a new project.
- Amount
- $5K – $2M
- Speed
- 24 hours
- Min. FICO
- 500+
Invoice Financing
Unlock cash tied up in unpaid invoices from general contractors, property owners, or government contracts. Advance up to 90% of the invoice value in 24 hours.
- Amount
- Up to 90%
- Speed
- 24 hours
- Min. FICO
- 600+
Not sure which product fits?
Our advisors work with contractors daily and can help match you with the right financing for your project pipeline.
Talk to an AdvisorEligibility
Do I qualify for construction financing?
Minimum Qualifications
- 500+ personal FICO (varies by product)
- At least 3 months in business
- $4,000+ in monthly revenue
- Active business checking account
What You Need to Apply
- Basic info about your construction business
- Last 3 months business bank statements
- Owner identification
- 3–5 minute application
Applying is free and won't impact your credit score.
Funding Estimator
How much could your construction business qualify for?
Select your credit range and monthly revenue to see an estimated funding amount.
Free to apply · No credit impact
*Results shown are for general informational purposes and illustration only, and are not to be treated as an offer. Applications are subject to approval.
Use Cases
How contractors use Ridgepeak Capital
Purchasing heavy equipment for a new contract
A general contractor wins a $2M commercial build but needs an excavator and skid steer to start. Equipment financing covers 100% of the cost with the machinery as collateral — no cash out of pocket.
Equipment FinancingCovering payroll while waiting on a progress payment
A framing contractor has 20 crew members to pay weekly but the GC's progress payment is 45 days out. A line of credit bridges the gap so the crew stays on the job without interruption.
Line of CreditUnlocking cash from unpaid GC invoices
An electrical subcontractor has $180K in outstanding invoices from three general contractors — all net-60. Invoice financing advances 90% in 24 hours so the business can take on new work.
Invoice FinancingMobilizing quickly for an emergency project
A concrete contractor gets called for a time-sensitive municipal repair with materials needed immediately. Revenue-based financing delivers $75K within 24 hours to cover supplies and crew deployment.
Revenue-Based FinancingHow It Works
From application to funding in three steps
Apply in minutes
Complete our quick online application — it takes less than 5 minutes. No paperwork, no faxing, and no impact to your credit score.
Review your offers
Receive personalized construction funding offers from our network of 75+ lenders, curated to match your project needs and financial profile.
Get funded
Choose the best offer and receive capital in your business account in as little as 24 hours. Start your next project with confidence.
FAQs
Common questions about construction financing
Everything contractors need to know before applying.
What types of financing are available for construction companies?
Construction businesses can access business lines of credit for ongoing project costs, term loans for major investments like fleet expansion or warehouse space, equipment financing for heavy machinery and vehicles, revenue-based financing for fast working capital, and invoice financing to unlock cash tied up in unpaid contracts and progress billings.
Can I get a construction loan with bad credit?
Yes. Revenue-based financing is available with FICO scores as low as 500 and qualifies based primarily on your monthly revenue rather than credit history. Other products like lines of credit and equipment financing require a 600+ FICO score. Each product has different requirements, so there are options for most credit profiles.
How fast can a construction company get funded?
Revenue-based financing and invoice financing can fund in as little as 24 hours after approval. Lines of credit typically fund in 1 to 2 business days. Term loans and equipment financing usually take 2 to 7 business days depending on the amount and documentation required. The application itself takes less than 5 minutes.
What can I use a construction business loan for?
Construction financing can be used for heavy equipment purchases and leases, materials and supplies for active projects, crew payroll and subcontractor payments, bonding and insurance premiums, vehicle fleet expansion, fuel and maintenance, or bridging gaps between progress payments. Funds are deposited directly to your business account.
Do I need collateral for a construction business loan?
Not for all products. Revenue-based financing and business lines of credit are unsecured — no collateral required. Equipment financing uses the equipment itself as collateral, so you don't need to put up additional assets. Term loans may require a personal guarantee depending on the lender and loan amount.
How much can a construction company borrow?
Funding amounts range from $5,000 to $2 million depending on the product, your annual revenue, and time in business. Most contractors qualify for $50K to $500K based on their monthly revenue and project pipeline. Revenue-based financing offers the widest range, while lines of credit max out at $250K.
Ready to fund your next project?
Apply in minutes. No impact to your credit score, and funding can arrive in as little as 24 hours.
Apply NowHave questions? Talk to an advisor.
Our team works with contractors daily and can help you find the right financing for your business.
Contact Us*The content provided on this page reflects the opinions and insights of Ridgepeak Capital, based on our research, methodologies, evaluations, and various additional considerations. This information is accurate as of the initial publication date. Ridgepeak Capital makes every effort to update and maintain the accuracy of this content, however, the information may differ from what you may find on other platforms. All information is presented without any warranty. We encourage you to carefully review the terms and conditions, relevant policies, contractual agreements, and all applicable details of the financial institution when considering offers. The ranges mentioned here do not represent pre-qualified offers. Ranges may be greater or less based on the information provided in your business financing application. Ridgepeak Capital may receive compensation from financial institutions reviewed on this page if you proceed to obtain business financing through them.