Construction Business Loans: Bridging the Gap Between Draws

The construction industry operates on an uncomfortable truth: you spend money before you make money. Materials, labor, equipment rental, subcontractor payments — all of it comes before the first draw lands in your account.

Traditional bank loans weren't built for this reality. Revenue-based construction financing was.

The Real Cost of Waiting for Your Next Draw

Consider a general contractor with a $1.2M commercial build:

• Draw Schedule: Payments arrive in 5 tranches over 8 months
• Upfront Costs: $80,000 in materials and subcontractor deposits due at mobilization
• Bank Loan Timeline: 30+ days to approve, often requiring real estate collateral

The math doesn't work. A $80,000 gap kills cash flow, delays the project, and damages client relationships.

How Construction Companies Use Fast Working Capital

| Use Case | Typical Need | Turnaround | | :--- | :--- | :--- | | Material & Lumber Purchasing | $25K - $150K | Same day | | Equipment Rental Deposits | $10K - $50K | Under 4 hours | | Sub-Contractor Payroll | $20K - $100K | Same day | | Bid Bond & Insurance Premiums | $5K - $30K | Under 4 hours | | New Project Mobilization | $50K - $300K | 24-48 hours |

What Construction Lenders Actually Require

Unlike SBA loans, our process doesn't require blueprints, permits, or project documentation. We look at:

• ✅ Your LLC or Corp's bank statements (3 months)
• ✅ Monthly revenue of $10,000+
• ✅ 6+ months operating as a licensed contractor
• ✅ Active business bank account

That's it.

Specialty Contractor Industries We Fund

• General Contractors GC firms managing multi-phase commercial builds
• Electrical & Plumbing — Sub-contractors with steady pipe of work
• Roofing Companies — Seasonal spikes and storm surge demand
• HVAC Contractors — Equipment acquisition and installation float
• Landscaping & Hardscaping — Material-heavy seasonal operations

FAQs for Construction Business Owners

Can an LLC with no real estate get a construction business loan?

Yes. Our merchant cash advance and revenue-based financing products require no real estate collateral. Your business revenue is the collateral.

We just won a $500K government contract but need mobilization capital. Can you help?

This is exactly what we do best. With proof of award and contractor bank statements, we can often fast-track approvals for contract mobilization capital.

Our GC owes us $120K that's 45 days late. Can we still qualify?

Yes. We look at your trailing deposits, not your A/R ledger. If deposits are flowing from other projects, you qualify based on what's actually hitting your account.

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