Business Loans for General Contractors & Construction Companies

Unlock the potential of your construction company. Discover our specialized loan solutions!

At, Working Capital Marketplace, we offer a wide array of options for business loans for construction companies, customized to meet your project needs. With our dedicated team and efficient loan assistance, we help you to turn your vision into reality. Build success with our industry-specific Construction Loans.

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Funds up to $6M

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Funds are released within 1 to 2 days

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With Interest-Only Payments

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Flexible repayment schedule

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5 Star Rating on Google

Why Working Capital Marketplace?

Construction businesses tend to always need funding given it is an industry that operates on draws and receivable drags. This requires business owners to be observant of their cash flow constantly to make sure they can make payroll, and have funds for materials and equipment and other unexpected expenses as needed. The Working Capital Marketplace’s options for loans for construction companies understand these needs. We look to help businesses customize financial solutions to address the unique needs and challenges of the construction industry.

We look to offer competitive rates, expedited approvals, and flexible repayment structures. This targeted approach ensures that construction businesses can efficiently obtain the capital they need to sustain and grow their operations amidst dynamic market conditions.

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Contractor’s Guide to Capital: The 4 Best Loans For Contractors

Short-Term Business Loans For Contractors

Short-term loans are the most common type of business loans that offer capital sum with fixed interest rates and pre-set repayment schedules. Short-term construction business loans are preferred to cover the immediate expense needed to keep the business running. Short-term funding options mitigate the capital cost and allow you to be eligible for additional funds faster.

Requirement For Short-Term Business Loans

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1 year in business

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Work in progress

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AR report

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Open and active business bank account

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What qualifies your business for a line of credit?

Business Line of Credit Loans For Contractors

Another loan type to support the construction business is a line of credit. As the name suggests it works the same as credit cards except that you can draw funds and have them deposited straight into your business checking account. Through this loan construction companies, get the ease of drawing funds as and when needed and only pay interest on the withdrawn amount.

Requirement For Business Line of Credit

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2 years in business

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Consistent deposit count

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Consistent average balances

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Equipment Loans For Contractors

It helps businesses to rent or buy heavy machinery, tools, and other essentials required often in the process. With equipment financing, construction businesses can acquire the equipment to run construction smoothly and complete the project quickly.

Requirement For Equipment Loans

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1 year in business

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625 personal FICO® score

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$100K business annual revenue

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Invoice or Quote from vendor for the equipment you are looking to finance

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SBA Loans For Contractors

SBA loans are federal government-supported loans that offer terms customized to the business requirements. The loans offer support to businesses with good credit scores and lengthy paperwork. However, at Working Capital Marketplace we help construction businesses that qualify, to acquire loan assistance easily.

Requirement For SBA Loans

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Comprehensive Business Plan

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Financial Statements

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Personal and Business Tax Returns

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Collateral Information

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SBA 7(a) Loan Application

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Types of Construction Business Loans

These are some common loan solutions we’ve offered to construction firms. Your advisor at The Working Capital Marketplace will navigate you through these options, ensuring you make the optimal choice tailored to your unique requirements.

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Business term loan

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Business line of credit

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Working capital loan

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Equipment Financing

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Invoice factoring

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Merchant cash advance

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Sba loan

Ready to build your dreams?

Start your loan application today!

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Benefits Of Financing For Construction Companies

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Cash Flow Management

In the construction business, having access to capital is essential. Business loans for contractors make it easy for them to run the operation smoothly and make timely payments with construction business loans

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Growth Opportunities

Access to funding enables expansion into new markets, buying new equipment, undertaking larger projects, fostering business growth, increasing team force, and overcoming market competitiveness.

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Flexibility

Financing options can be tailored to suit specific project needs, with Working Capital Marketplace construction loan businesses get the flexibility to repay the debt and structure the loan.

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Risk Mitigation

Adequate financing helps mitigate financial risks associated with unexpected costs, delays, or changes in project scope, safeguarding profitability and project completion.

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Financial Stability

Having access to financing ensures stability during economic downturns or seasonal fluctuations, allowing construction companies to sustain operations and retain a skilled workforce.

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Apply In 2 Minutes

Decision As Fast As 5 Hours

Get Funded As Fast As
24 Hours

Receive Between
$25,000 – $6,000,000

Need a Fast

Construction loans?

$5K – $2M NO PERSONAL GUARANTEE

Types Of Businesses We Fund

We fund a wide range of businesses across various industries, including but not limited to. Here are a few types of companies:

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General contractors

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HVAC specialists

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Plumbers

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Electricians

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Remodelers & renovators

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Owner-builders

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Real estate developers

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Construction managers

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Architects & design professionals

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Subcontractors & specialty trades

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Landscapers

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Roofing companies

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Masonry specialists

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Painters & decorators

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Flooring & tiling specialists

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Empower your construction ventures. Get the funding you need today!

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Apply Online

Fast & Easy Online Application

Review Your Options

Get connected with a Funding Manager dedicated to you, to review and customize options.

Get Funded

Your Funds will usually be sent same day viawire or ACH

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Reviews

What Customers Say?

View All

    
 
 
        
   Sylvester Henderson 
 2024-03-12
 
 
  Great business they will help your business
CHRISTIAN IS GREAT
  
 
       
   New Horizons Construction LLC David Robertson 
 2024-02-23
 
 
  Easy to work with.
  
 
       
   Butch G 
 2023-09-21
 
 
  Amazing experience with this company. They walked me through my entire funding process start to finish and got me the terms they said they'd deliver. I'm grateful for the high level of integrity from Marcos, Ari and the rest of the team. I appreciate the level of professionalism they invest in their service. I would highly recommend to small business owners and investors alike!
  
 
       
   Gabriela Figueroa 
 2023-08-15
 
 
  Quick funding and friendly, informative service. Will absolutely be a returning customer, thanks Team!
  
 
       
   Melissa Mandarich 
 2023-02-06
 
 
  Recently worked with Ari and Marcos on a complex transaction and it was as smooth as it could be with these two.  Great to work,  highly recommend.
  
 
       
   Tanner Cohen 
 2023-01-11
 
 
  I worked with MCU Consulting LLC which is under the Working Capital Marketplace umbrella and i couldn't have been happier with the loan process! Ari and Marcos are true processionals who understand my needs as an investor, the time crunch to close, and are easy to talk to and work with. I highly recommend working with them if you are looking for a broker who can help you close quick and seamlessly!

Thanks for all your help guys!

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FAQ’s

How difficult is it to qualify for a construction loan?

Qualifying for a construction loan can vary depending on the lender and your financial situation. Traditional banks may have stricter requirements, while at Working Capital Marketplace we offer simpler and faster application processes to help you access the best options available to you in the market.

What are the eligibility requirements for construction business loans?

For a business to qualify for a construction loan, they have to have a minimum of 12 months time-in-business with a minimum of 200K annual business revenue, and a credit Score of 550 or higher.

How do I apply for business construction loans?

To apply, collect the necessary documentation research lenders, and submit your application. Be prepared to demonstrate your company’s financial health and repayment ability. Typically initial documentation is an application, 6 months of business bank statements, work in progress report, and proof of business ownership.

How long does the approval process take?

The approval time for a loan may vary depending from lender to lender. However, with us at Working Capital Marketplace, you get approval as fast as 24-48 hours.