Funding That Keeps Your Construction Business Moving
Construction companies face unique cash flow challenges. Bridge the gap between project starts and payments with fast, flexible funding designed for contractors and builders.
$5K-$500K
Funding Range
24 Hrs
Fast Funding
500+
Min. Credit Score
300+
Lender Network
Funding Solutions
Built for the construction industry
From heavy equipment to payroll, we understand the capital needs of general contractors, subcontractors, and specialty trades.
Equipment Financing
Finance excavators, dozers, cranes, and trucks. Use the equipment as collateral for competitive rates and terms up to 7 years.
Working Capital
Bridge cash flow gaps between project payments. Cover payroll, materials, and subcontractor costs while waiting on receivables.
Project-Based Funding
Secure capital to bid on and start new projects. Fund materials, labor, and permits before the first draw comes in.
Business Line of Credit
Access a revolving credit line you can draw from as needed. Only pay interest on what you use -- ideal for managing seasonal cash flow.
Simple Process
Get funded in three easy steps
Apply Online in 5 Minutes
Tell us about your construction business -- revenue, time in business, and how much funding you need. No upfront documents required.
Get Matched with Lenders
Our network of 300+ lenders who understand construction compete for your business. Receive multiple offers within hours.
Choose Your Offer & Get Funded
Compare rates and terms transparently. E-sign your documents and get funds deposited in as little as 24 hours.
“I needed $85K to cover materials and labor on a commercial project before the first draw. Quick Loans Direct matched me with a lender in hours, and I had the money in my account the next day.”
David T.
General Contractor — Phoenix, AZ
FAQ
Questions from contractors
Can I get a construction loan with bad credit?
Yes. We work with credit scores starting at 500. Many construction lenders in our network focus on your business revenue and project pipeline rather than personal credit alone. Strong monthly revenue and consistent project work can offset a lower credit score.
What can I use construction business funding for?
You can use funds for equipment purchases, materials and supplies, payroll, subcontractor payments, bonding, insurance, permits, vehicle purchases, marketing, or any legitimate business expense. There are typically no restrictions on how you use working capital funds.
How does equipment financing work for construction companies?
The equipment you are purchasing serves as collateral for the loan, which often makes approval easier and rates lower. You can finance up to 100% of the equipment cost with terms up to 7 years. This includes heavy equipment like excavators, loaders, cranes, and commercial vehicles.
Do you finance new construction companies?
We require a minimum of 6 months in business for most products. However, if you have industry experience and can demonstrate revenue, some of our lenders may work with newer construction companies. Equipment financing may be available with as little as 4 months operating history.
Ready to fund your next project?
Thousands of contractors and construction companies have used Quick Loans Direct to bridge cash flow gaps and grow. Apply in minutes with no obligation.