Construction Business Loans Nationwide for Contractors and Trades, $10K to $5M
🏗️ Financing Built for ContractorsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Construction business loans fund contractors of every trade, general contractors, electricians, plumbers, HVAC, roofers, remodelers and the finish trades, buying equipment, covering payroll and materials before the draw lands, or financing the slow-paying invoices that choke a growing crew. Banks look backward at history and collateral you may not have; the right lenders look at your backlog and your equipment. I match you to the lender that funds your trade.
Construction Business Loans for Equipment, Working Capital, Factoring and Growth
Construction business loans fund the moment a bank slams the door, buying equipment, covering payroll and materials before a draw clears, factoring slow-paying invoices, or owning your yard and shop. Banks call construction high-risk and walk away; I match you to lenders who actually fund contractors, every trade from general contractors to the finish trades.
Equipment and Vehicles
Finance excavators, trucks, lifts and tools, with the equipment itself as collateral so approvals are fast.
Working Capital
Cover payroll and materials before the progress payment lands, the cash-flow gap every growing contractor knows.
Invoice Factoring
Turn slow net-30, 60 and 90-day progress invoices into cash now, the construction-specific cash crunch.
Business Line of Credit
Revolving cash for material spikes and overlapping jobs, draw only what you need when you need it.
Yard, Shop and Real Estate
Own your yard, shop or warehouse with long-term, fixed-rate SBA 504 and commercial real estate financing.
Acquisition and Expansion
Buy a competitor, fund a partner buy-in, or finance the equipment and crews to take on bigger jobs.
Construction Business Loans by Trade
I finance contractors and trades of every kind nationwide, from general contractors and the core building trades to specialty and finish contractors. Find your trade below for financing built around how your business actually works.
Core Building Trades
Specialty and Finish Trades
A Contractor Bought the Equipment to Win Bigger Jobs After the Bank Passed
A growing contractor landed a shot at larger commercial jobs, but only with the heavy equipment to handle them. The backlog was real and signed, yet the bank waved them off, wanting years of history and collateral the business hadn’t built yet.
They called me. I matched them to equipment financing with the machines as their own collateral, plus a working-capital line to cover payroll and materials before the first progress payment cleared. The crew took on the bigger jobs and the backlog became revenue.
That’s what the right contractor match looks like. Don’t Beg the Bank! Get funded instead.
The Right Loan Program for Each Construction Need
Construction business loans aren’t one product. The right structure depends on what you’re doing. I match you to the one that fits, tap any to explore it.
Equipment Financing
Excavators, trucks, lifts and tools, with the equipment itself as collateral.
See equipment financingWorking Capital
Cover payroll and materials before the progress payment lands, fast operating cash.
See working capitalInvoice Factoring
Turn slow net-30, 60 and 90-day progress invoices into cash now.
See invoice factoringLine of Credit
Revolving cash for material spikes and overlapping jobs, draw only what you need.
See lines of creditSBA 504 and Real Estate
Own your yard, shop or warehouse with long-term, fixed-rate financing.
See SBA 504SBA 7(a) Loans
Acquisition, expansion or a partner buy-in, strong terms, often limited money down.
See SBA 7(a)Qualifying for Construction Business Loans
Construction lending is its own world. The right lenders know a busy contractor with real backlog and equipment is a strong borrower, so a business with decent credit and signed work can get funded, even after a bank said no. I qualify deals honestly so neither of us wastes time.
✅ What helps you qualify
- ✔An operating contracting business or a clear plan and real backlog.
- ✔Equipment to finance against, or slow invoices to factor.
- ✔Signed contracts, a backlog or steady revenue a lender can verify.
- ✔A down payment or equipment contribution that strengthens the file.
💡 Straight talk
- →Equipment is financed with the gear as collateral, so approvals are fast.
- →Factoring is underwritten on your customer’s credit, not just yours.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; your backlog and equipment matter more.
Get Your Construction Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your construction financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Construction Business Loans From My Desk
A snapshot of the construction business loans I match to lenders across the country. Every trade is different, yours starts with a conversation.
Construction · Equipment Financing
A contractor financed an excavator and a crew truck with the equipment as collateral to take on larger jobs.
Roofing · Invoice Factoring
A roofing contractor factored slow insurance and builder invoices to make payroll without waiting 60 days.
HVAC · Working Capital Line
An HVAC contractor opened a line of credit to stock equipment for the busy season and cover payroll between jobs.
How I Match Construction Business Loans to the Right Lender
Most banks treat contractors as high-risk and stumble on the cash-flow swings, and the specialist lenders who get it compete hard for good ones. I work with many, so I match your construction business loans to the lender that funds your trade and your goal, equipment, working capital, factoring or real estate, and I review the options with you before you commit.
Here’s the reality for a contractor. Construction runs on a brutal cash-flow cycle: you buy materials and make payroll up front, then wait weeks or months for a progress draw or a slow-paying general contractor to release funds, all while the next job needs equipment. A traditional bank looks backward at two years of tax returns and hard collateral and freezes on the swings. The right lenders work differently: equipment is financed with the machine itself as collateral, slow invoices are factored on your customer’s credit, and a working-capital line bridges the gap between spending and getting paid. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of equipment, expansion and acquisition financing.
The right structure depends on your trade and your need. Equipment, trucks, excavators, lifts and tools, is best matched to equipment financing, where the gear is the collateral. Slow progress invoices run through invoice factoring, while payroll and material gaps are covered by working capital loans or a business line of credit. To buy a competitor or fund a partner buy-in, an SBA 7(a) loan or broader SBA loan fits, and to own your yard or shop, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms.
So tell me what trade you run and what you’re trying to do. Whether you need equipment to win bigger jobs, capital to make payroll before the draw lands, or factoring to stop waiting on slow invoices, I’ll match you to the lender most likely to fund it. Find your trade in the directory above, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What are construction business loans?
Can I get a construction loan if banks keep turning me down?
How do I cover payroll while waiting on a progress draw?
Can I finance equipment with newer or bruised credit?
What trades do you finance?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Contractors
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Construction lending has its own specialist lenders who understand backlog, equipment and the draw cycle, and matching you to the right one, for equipment, working capital, factoring or real estate, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll call construction too risky to fund. I match you to construction business loans built for your trade … finance the equipment with the gear as collateral, cover payroll before the draw lands, factor the slow invoices, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, business and job performance, collateral and structure. Construction business financing generally ranges from $10,000 to $5 million depending on the need. *Equipment is commonly financed with the equipment itself as collateral; SBA loans follow standard SBA timelines and eligibility, and factoring is underwritten substantially on the creditworthiness of the contractor’s customer rather than the contractor’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.