Funding structured around crews, equipment, and draw schedules.
The numbers are unforgiving. A skid steer runs $80K. A mid-size excavator runs $200K. A dump truck runs $150K. Then you carry materials, fuel, and payroll for 30 to 60 days before the GC pays. A lot of contractors look profitable on paper and still run out of cash by Thursday.
Equipment financing is where most construction operators should start. The asset secures the deal, so credit requirements stay reasonable and you keep your working capital free. A line of credit sits behind that to handle the timing gap between payroll and draws. When the next move is bigger - buying a competitor's book, adding a yard, expanding the fleet - SBA or conventional term debt does the heavy lifting.
- Buying heavy equipment and machinery without tying up working capital
- Covering materials and payroll in the gap before draws hit
- Managing seasonal and weather-driven revenue swings
- Meeting bonding capacity and surety requirements on larger jobs
We have done this before. A lot.
Equipment financing on machinery, trucks, and trailers with terms that actually match equipment lifespans
Working capital lines sized to cover two full draw cycles, not one
Underwriting that looks at contracts and equipment value before it looks at personal credit
SBA and term loan options up to $5M when it is time to expand the fleet or buy a facility
The products that actually move the needle here.
Things construction owners ask first.
Yes. Most lenders fund new and used. Used equipment up to seven years old usually prices within a point or two of new, so do not assume used is automatically cheaper capital.
That is what lines of credit and AR financing exist for. We typically size the line to cover two full payment cycles. In practice that is the difference between a contractor who sleeps at night and one who does not.
Equipment financing usually opens up first because the asset carries the deal. Working capital and SBA generally want one to two years of operating history. Your underwriter will tell you straight which products you qualify for today and what it takes to reach the rest.
Yes. A lot of equipment programs start at $5,000. For purchases under that, a business line of credit is usually the cleaner tool.
Funding built around construction.
Tell us about your operation and we will route you to the lenders that already understand it.
Soft credit pull. No hard inquiry unless you accept terms.