Capital That MovesWith Your Projects.
Materials upfront, 30–60 day payment cycles, equipment demands, and labor gaps — financing designed for how construction businesses actually operate.
- Project working capital
- Heavy equipment & tools
- Materials & bid deposits
- Payroll & subcontractor costs
The Financing Gaps Contractors Know Well
Materials Before the Client Pays
You need lumber, concrete, and supplies before breaking ground — often weeks before any payment arrives.
Labor & Payroll Gaps
Crew wages run weekly. Project payments arrive irregularly. That gap is your cash flow problem.
Equipment Demands
A won bid can immediately require equipment you don't own or can't rent at scale.
Project Delays Out of Your Control
Permit delays, weather, and owner-side issues push your revenue timeline without moving your cost obligations.
30–60 Day Payment Cycles
Invoices sent in week one often don't clear until week six — capital sits tied up in receivables.
Industry-specific financing for your business.
Free to apply. No hard credit pull. Same-day advisor response.
How Contractors Use Financing
Project Working Capital
Bridge the gap between project start costs and client payment.
Heavy Equipment
Excavators, skid steers, lifts, and specialty machinery.
Tools & Small Equipment
Power tools, hand tools, and jobsite equipment packages.
Trucks & Trailers
Work trucks, flatbeds, and equipment haulers.
Bid Deposits
Cover bid bonds and deposits required to secure larger contracts.
Payroll Coverage
Maintain crew wages during extended project payment gaps.
Financing Options for Construction Businesses
Working Capital
Details- Amount
- $10K – $500K
- Terms
- 3 – 18 months
- Decision
- 24–48 hours
- Best for
- Project gaps, payroll, materials
Equipment Financing
Details- Amount
- $10K – $5M
- Terms
- 12 – 72 months
- Decision
- 24–48 hours
- Best for
- Heavy equipment, trucks, tools
Business Term Loan
Details- Amount
- $25K – $2M
- Terms
- 12 – 60 months
- Decision
- 2–5 business days
- Best for
- Larger project capital, expansion
Line of Credit
Details- Amount
- $10K – $500K
- Terms
- Revolving
- Decision
- 24–48 hours
- Best for
- Ongoing material & labor needs
Multiple funding options. One free application.
We match you to the best option — term loan, line of credit, or equipment financing.
Equipment & Expenses We Finance
Typical market ranges shown for reference. Actual financing amounts vary.
What Lenders Consider for Contractor Financing
Requirements vary by lender and program. Meeting more of these strengthens most applications.
- Time in business (6+ months preferred)
- Monthly revenue or contract volume
- Business bank account activity
- Personal credit score (580+ for most programs)
- Existing debt obligations and project pipeline
- Industry type and contract structure
You may already qualify — check free.
No hard credit pull. Decisions in as little as 24 hours. Zero obligation.
Real-World Contractor Financing Scenarios
A general contractor wins a $400K commercial buildout but needs $55,000 in materials before breaking ground, 60 days before any draw arrives.
Financing path
Working capital advance covers materials and subcontractor deposits, repaid from the first progress payment.
A grading contractor wins a large site prep contract requiring a tracked excavator they don't currently own.
Financing path
Equipment financing approved in 48 hours — machine on-site before mobilization date.
A framing crew is kept on-site during a 3-week permit delay. $28,000 in wages must be met with no draw in sight.
Financing path
Line of credit draw covers payroll, repaid once the permit clears and the first draw is funded.
Construction Financing — Frequently Asked Questions
Questions answered. Ready when you are.
Apply in under 5 minutes. A real advisor responds the same business day.
Ready to Talk About Your Project Financing Needs?
Our advisors work with contractors and trade businesses across the US — from solo operators to multi-crew GCs.
Speak directly with a financing advisor.
Tell us about your business
No hard credit pull. Free. Under 5 minutes.
Financing products are made available through lendfloCapital's network of third-party lenders. Approval, terms, and rates are determined by lenders based on business financials and individual creditworthiness. lendfloCapital does not guarantee approval, specific rates, or funding timelines. This page is for informational purposes only and does not constitute a loan offer or commitment.