Build Your Business with Flexible Construction Financing
Access fast capital for equipment purchases, project financing, bonding support, and fleet expansion. Specialized funding solutions designed for contractors, builders, and construction companies.
Financing Solutions Built for Construction Professionals
The construction industry requires significant capital investment for equipment, materials, labor, and project execution. Whether you're a general contractor, specialty trade contractor, or construction company owner, access to flexible financing is essential for growth and operational success.
U.S. Business Finance understands the unique cash flow challenges construction businesses face, including seasonal fluctuations, project-based revenue cycles, and the need for quick equipment acquisition. Our financing solutions are designed to keep your projects moving forward without delays.
Fast Approvals
Get funding decisions in 24-72 hours
Flexible Terms
Options for various credit profiles
Large Amounts
Up to $5M for major projects
Expert Advisors
Industry-experienced funding specialists
Common Financing Use Cases
Construction businesses use our financing solutions for a wide range of growth and operational needs
Heavy Equipment Purchases
Finance excavators, bulldozers, cranes, loaders, and other essential construction machinery to expand your fleet and take on larger projects.
Project Financing
Secure working capital to cover materials, labor, and operational costs for large construction projects with extended timelines and milestone-based payments.
Bonding Support
Access capital to meet bonding requirements for public and private contracts, enabling you to bid on and secure larger, more profitable projects.
Fleet Expansion
Finance work trucks, vans, trailers, and service vehicles to support your growing team and expand your service capabilities across multiple job sites.
Tool & Equipment Upgrades
Invest in the latest power tools, safety equipment, and specialized machinery to improve efficiency, safety, and competitive advantage.
Facility & Yard Expansion
Purchase or expand your equipment yard, warehouse, or office space to accommodate growth and improve operational efficiency.
Financing Solutions for Construction Businesses
Choose the right funding option based on your specific needs and business situation
Equipment Financing
Finance heavy machinery, vehicles, and construction equipment with terms aligned to asset life. Use the equipment as collateral.
Term Business Loans
Fixed repayment structure ideal for project financing, bonding support, facility expansion, or major business investments.
Business Lines of Credit
Draw funds as needed for materials, payroll, and operational expenses. Only pay interest on what you use.
Revenue-Based Financing
Flexible repayment based on daily or weekly revenue. Ideal for businesses with seasonal or project-based income.
Qualification Requirements
Basic requirements for construction business financing approval
Time in Business
6+ Months
Minimum operating history required
Annual Revenue
$100K+
Minimum yearly revenue
Credit Score
580+
Personal credit minimum
Location
U.S. Based
Operating in United States
Required Documentation
Business Bank Statements
Last 3-6 months of business banking activity
Driver's License
Valid government-issued ID for all owners
Business Formation Documents
Articles of incorporation, LLC agreement, or DBA
Voided Business Check
For funding disbursement verification
Additional Considerations
Credit Flexibility
We work with various credit profiles. Past credit challenges may be acceptable with strong revenue.
Collateral Requirements
Equipment financing uses the asset as collateral. Other programs may require personal guarantee.
Industry Experience
Demonstrated construction industry experience strengthens your application.
Licensing & Insurance
Active contractor licenses and proper insurance coverage may be required.
Construction Financing FAQ
Common questions about financing for construction businesses
Yes! We offer financing for both new and used construction equipment. Used equipment typically requires the asset to be in good working condition and may have slightly different terms based on age and condition. Equipment financing can cover excavators, bulldozers, cranes, loaders, trucks, and more.
Still have questions about construction financing?
Call 1-800-555-0199 to speak with a funding specialist
Ready to Grow Your Construction Business?
Get fast access to the capital you need for equipment, projects, and expansion. Our funding specialists understand construction and can help you find the right financing solution.