Pro Capital logoPro Capital
Apply NowCallText
Construction & Contractors

Business Funding for Construction Companies & Contractors

Construction businesses live and die by cash flow. Material costs are paid upfront, but payment from clients and GCs often takes 30 to 90 days. Pro Capital matches general contractors, subcontractors, and specialty trades to a bank or lender for every type of business that understand progress billing, retainage, and equipment-heavy balance sheets.

Apply Now Call (561) 444-7177

Construction is one of the largest small business segments in the U.S. — over 700,000 construction firms operate nationwide.

Source: U.S. Small Business Administration, 2024

Cash flow timing is the #1 financial challenge identified by small business owners.

Source: Federal Reserve Small Business Credit Survey, 2024

Common Funding Challenges for Construction & Contractors Owners

  • Payment cycles of 30–90 days create working-capital gaps between material purchase and customer payment.
  • Bonding capacity often hinges on liquid cash on hand, not project pipeline.
  • Heavy equipment purchases (excavators, lifts, trucks) require large capital outlays financed through term loans or SBA programs.
  • Banks discount accounts receivable from new GCs or government agencies.

Best Funding Products for Construction & Contractors

Our funding advisors most commonly match construction & contractors clients with these products.

SBA 7(a) Loans

Long-term, low-rate funding with no loan minimum or maximum for established contractors expanding operations, buying real estate, or acquiring major assets.

Learn more

Business Line of Credit

Bridge the gap between material costs and customer payments. Reuse the line as projects wrap.

Learn more

Invoice Factoring

Convert open invoices into cash after factor review instead of waiting for customer payment.

Learn more

Term Loans

Fund large one-time investments such as a yard purchase, fleet expansion, or facility buildout.

Learn more

How Much Can a Construction & Contractors Business Qualify For?

Loan amounts
No loan minimum or maximum
Typical qualifying profile
$20,000+ in monthly revenue and 1+ year in business preferred

Final amounts depend on credit profile, time in business, and lender underwriting. One application reaches every qualifying lender in the Pro Capital network.

Frequently Asked Questions

There is no loan minimum or maximum. The amount a construction company can qualify for depends on revenue, time in business, and credit profile.

Yes. There is a funding program for every credit score, including 500. Term loans and lines of credit start at 680+ FICO; other products have different requirements. Pro Capital matches you to lenders who understand construction cash flow.

Invoice factoring or a business line of credit is typically the best fit. Factoring converts unpaid invoices into immediate cash, while a line of credit gives you a reusable working-capital cushion you can draw on as needed.

Most lenders require a valid contractor or trade license in your state. Pro Capital can work with general contractors, electricians, plumbers, HVAC, roofing, concrete, and most other licensed trades.

Other Industries We Fund

Restaurants & Food ServiceHealthcare & Medical PracticesRetail & E-CommerceTrucking & TransportationStaffing AgenciesReal Estate InvestorsManufacturing

Ready to See What Your Construction & Contractors Business Qualifies For?

One application reaches a bank or lender for every type of business. No credit score impact. No obligation.

Apply Now