Business Loans for Construction Companies
Materials, payroll, and equipment can't wait for the next draw. Get construction funding in 24-48 hours — with no hard credit pull.
Construction runs on timing. You need materials on site Monday, your crew paid Friday, and the next progress payment doesn't land for three weeks. That gap between spending and getting paid is where most construction companies get squeezed — and it's exactly what fast business funding is built to cover.
Coast to Coast Funding Group works with general contractors, subcontractors, remodelers, and specialty trades to smooth out project-based cash flow. Whether you need to float materials for a new job, make payroll between draws, replace a worn-out excavator, or take on a bigger project than your current cash position allows, funding from $5,000 to $500,000+ can be in your account within 24-48 hours of approval.
How Construction Companies Use Funding
Lumber, concrete, steel, and fixtures often need to be paid for weeks before the draw that covers them arrives. Funding bridges that gap so jobs never stall.
Your crew expects to be paid on time whether or not the client has paid you. Working capital keeps payroll steady through slow-paying projects.
From skid steers to scaffolding to work trucks, equipment financing and working capital keep your fleet job-ready without draining reserves.
The jobs with the best margins usually require the most upfront cash. Funding lets you bid bigger work with confidence.
Winter slowdowns and permitting delays don't pause your overhead. A line of credit or advance keeps the lights on until work picks back up.
Bid bonds, performance bonds, and liability premiums are the cost of playing bigger. Fund them without tying up operating cash.
Simple Process
Get Funded in 3 Steps
No lengthy applications, no weeks of waiting. Most businesses go from application to funded in 24-48 hours.
Apply in Minutes
Complete our short pre-approval form online or call us directly. It takes just a few minutes.
Get Approved in Hours
We review your bank statements and revenue — not just your credit score — and approve most applications within hours.
Funded in 24-48 Hours
Once approved, funds are deposited directly into your business bank account, usually within 1-2 business days.
Do You Qualify?
Simple Requirements
If your business is generating revenue, there's a good chance you qualify.
- Business bank statements from the last 6+ months
- Minimum monthly revenue of $10,000
- Business has been operating for at least 6 months
- No hard credit pull to check your options
FAQ
Frequently Asked Questions
Common questions about business loans for construction.
Can I get a business loan for my construction company between project draws?
Yes — this is one of the most common reasons construction companies seek funding. Merchant cash advances and short-term working capital are designed for exactly this: covering materials, payroll, and overhead while you wait for progress payments or retainage to be released. Approval takes hours and funding can land in 24-48 hours.
How much can a construction company borrow?
Most construction businesses we work with qualify for $25,000 to $500,000+, depending on monthly revenue, time in business, and the health of their bank statements. Larger, established contractors with strong cash flow can qualify for more.
Will applying affect my credit score?
No. Checking your options with Coast to Coast Funding Group does not involve a hard credit pull, so exploring funding won't damage your credit score.
Can I use the funds for equipment purchases?
Absolutely. Many contractors use funding for heavy equipment, work trucks, tools, and technology. We also offer dedicated equipment financing if you want the equipment itself to serve as collateral for better terms.
What if my revenue is seasonal?
Seasonal revenue is normal in construction, and our underwriting accounts for it. We look at your overall cash flow picture — including strong months — rather than penalizing you for a slow winter. Repayment on a merchant cash advance also flexes with your daily sales, so slower weeks mean smaller payments.
How fast can I actually get the money?
Most approvals happen within hours of receiving your application and bank statements. Once approved, funds are typically deposited within 24-48 hours — fast enough to keep a job moving.
Explore More Funding Options
Funding Solutions for Construction
Funding for Other Industries
Keep Your Jobs Moving
Don't let a cash gap stall your next project. Apply in minutes and get construction funding in as little as 24-48 hours.