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Construction Business Loans: Capital for GCs, Specialty Contractors, and Developers

From equipment financing to project-based working capital, PeerSense connects construction businesses with the capital they need to bid bigger, build faster, and grow stronger.

Schedule ConsultationGet Started
$500–$50M
Financing Range
48–72hr
Initial Response
500+
Lending Partners
Established
Operators

Equipment Financing for Construction Contractors

PeerSense connects construction contractors with equipment financing for excavators, loaders, dump trucks, cranes, and specialty tools. Lenders evaluate equipment quality, operator experience, and deal structure — not just credit score alone.

Excavators & Earthmoving

Excavators & Earthmoving

$50K–$10M

Track excavators, wheel excavators, mini excavators, backhoes

Cranes & Lifting

Cranes & Lifting

$100K–$50M

Mobile cranes, tower cranes, rough terrain cranes, boom trucks

Heavy Machinery

Heavy Machinery

$25K–$20M

Bulldozers, graders, loaders, compactors, pavers, rollers

Trucks & Transport

Trucks & Transport

$25K–$5M

Dump trucks, concrete mixers, flatbeds, service trucks

Specialty Equipment

Specialty Equipment

$10K–$2M

Concrete pumps, pile drivers, trenchers, aerial lifts, scaffolding

Light Equipment & Tools

Light Equipment & Tools

$5K–$500K

Generators, compressors, welders, power tools, small equipment

Asset-Driven Underwriting

Equipment quality and deal structure drive approval for credit-qualified contractors

Fast Approvals

Decisions in 24–48 hours for equipment under $250K

Competitive Rates

Rates from 6–12% depending on credit profile and equipment type

Flexible Terms

Finance or lease terms up to 7 years based on equipment life

Need Construction Equipment Financing?

Visit our dedicated Construction Equipment Financing page for detailed information on heavy equipment, light equipment, fleet financing, and challenged credit options.

View Construction Equipment Options
SBA Program

SBA CAPLines Builders CAPLine

SBA-backed revolving credit line for general contractors constructing or rehabbing property for resale. Up to $5M with 10-year maturity.

For GCs Building for Resale

SBA-backed financing specifically designed for general contractors constructing or rehabbing property for resale

Revolving Credit Structure

Draw funds as needed for each project, repay when property sells, then reuse the line for the next project

Up to $5 Million

Maximum line amount of $5M with SBA guarantee backing the lender

10-Year Maturity

Long-term revolving structure with up to 10-year maturity on the line

Common Use Cases

Spec Home Construction

Build single-family or small multifamily homes for resale

Commercial Rehab

Renovate commercial properties for resale or lease-up

Fix and Flip

Purchase and renovate residential properties for quick resale

Land Development

Develop raw land into finished lots for sale to builders

How Builders CAPLine Works

The SBA Builders CAPLine is a revolving line of credit that allows general contractors to draw funds for construction or rehab projects, repay when the property sells, and then reuse the line for the next project. It's designed specifically for contractors building or renovating property for resale, not for owner-occupied projects.

Typical Timeline
45–90 days from application to funding
Down Payment
10–20% depending on project and borrower
Credit Requirements
680+ FICO preferred, construction experience required

Construction Loans

Short-term financing for ground-up construction and major renovations. $250K to $50M with up to 90% loan-to-cost on qualified projects.

Ground-Up Construction

Loan Range:$250K–$50M
LTV/LTC:70% LTV / 90% LTC
Term:12–36 months

New construction from the ground up. Commercial, multifamily, mixed-use, industrial.

Major Renovation

Loan Range:$100K–$30M
LTV/LTC:75% LTV / 85% LTC
Term:12–24 months

Substantial rehab of existing structures. Gut renovations, adaptive reuse, repositioning.

Light Renovation

Loan Range:$50K–$10M
LTV/LTC:80% LTV
Term:6–18 months

Cosmetic updates, tenant improvements, minor structural work.

Interest-Only Payments

Pay only interest during construction, principal due at completion or refinance

Draw Schedule

Funds released in stages as construction milestones are completed

Non-Recourse Options

Non-recourse available on select programs for experienced developers

Foreign Nationals

Foreign national borrowers accepted on select construction programs

Typical Construction Loan Structure

What You'll Need

  • Detailed construction budget and timeline
  • Licensed general contractor (or GC license if self-performing)
  • Architectural plans and permits
  • Exit strategy (sale, refinance, or permanent financing)
  • Experience with similar projects (or experienced partner)

Typical Timeline

1
Application & Review
1–2 weeks
2
Underwriting & Appraisal
2–4 weeks
3
Closing & Funding
1–2 weeks

Fix-and-Flip Financing

Fast-close residential rehab financing from $50K to $10M. Up to 90% of purchase price plus 100% of rehab costs. Close in 7–14 days.

7–14 Days

Fast Close

7–14 days from application to funding on most deals

$50K–$10M

Loan Range

Finance residential fix-and-flip projects from $50K to $10M

90% LTC

Up to 90% LTC

Finance up to 90% of purchase price plus 100% of rehab costs

6–18 Months

Short Terms

Flexible 6–18 month terms with interest-only payments

Property Types Covered

Single-Family Homes

Most common fix-and-flip property type

Small Multifamily

2–4 unit properties for renovation and resale

Condos & Townhomes

Urban and suburban residential units

Light Commercial

Small retail or mixed-use properties on select programs

How Fix-and-Flip Loans Work

1
Purchase Financing
Finance up to 90% of the purchase price
2
Rehab Holdback
100% of rehab costs held in escrow, released as work is completed
3
Interest-Only Payments
Pay only interest during the rehab period
4
Exit at Sale
Repay loan when property sells, typically within 6–12 months

Qualification Requirements

Credit Score
660+ for most programs, 680+ for best rates
Experience
Prior flip experience preferred but not always required
Down Payment
10–20% of purchase price depending on deal and borrower
Exit Strategy
Clear plan to sell or refinance within loan term
Rehab Budget
Detailed scope of work and contractor bids

Working Capital for Construction Operations

Bridge the gap between project costs and payment milestones. Fast funding for material costs, payroll, bonding support, and seasonal cash flow needs.

Material Costs

Bridge the gap between material purchases and milestone payments

Fast funding or ABL$10K–$5M

Payroll Before Payments

Cover labor costs while waiting for draw requests or project completion

Working capital line$25K–$2M

Bonding Support

Strengthen balance sheet to qualify for larger performance bonds

SBA or ABL$100K–$10M

Equipment Deposits

Secure equipment for upcoming projects before payment arrives

Fast funding$5K–$500K

Bid Deposits & Mobilization

Fund upfront costs to secure and start new projects

Working capital$10K–$1M

Seasonal Cash Flow

Manage cash flow during slow seasons or weather delays

Revolving line$25K–$3M

Working Capital Funding Options

Fast Funding (24–48 Hours)

Range:$7.5K–$1M+
Credit:680+ FICO
Term:3–18 months
Best For:
Immediate material or payroll needs

Unsecured Lines of Credit

Range:$25K–$350K
Credit:700+ FICO
Term:Revolving
Best For:
Established contractors with strong credit

Asset-Based Lending

Range:$100K–$10M
Credit:All profiles
Term:Revolving
Best For:
Contractors with receivables and equipment

When to Use Working Capital vs. SBA

Working capital is faster (24–72 hours vs. 45–90 days) but more expensive. Use it for immediate needs. Use SBA for larger, longer-term working capital needs where you can wait for approval.

View Working Capital Options

Asset-Based Lending for Contractors

If you have accounts receivable from completed work or equipment on your balance sheet, you may qualify for an asset-based line of credit with better terms than unsecured working capital.

Learn About Asset-Based Lending

Construction Business Acquisition Financing

Buy a construction company, specialty contractor, or buy out a partner using SBA 7(a) financing. 10% down, 10-year term, finance goodwill and working capital.

General Contracting Company

Acquire an established GC with existing contracts, equipment, and workforce

Typical Range:
$500K–$10M

Specialty Contractor

Buy electrical, plumbing, HVAC, or other specialty contracting businesses

Typical Range:
$250K–$5M

Partner Buyout

Buy out a business partner in an existing construction company

Typical Range:
$100K–$3M

Competitor Acquisition

Acquire a competing contractor to expand market share or capabilities

Typical Range:
$500K–$15M

SBA 7(a) Acquisition Loan Advantages

The SBA 7(a) program is the most common financing tool for buying an existing construction business. Here's why:

10% Down Payment

SBA 7(a) requires only 10% down for business acquisitions

10-Year Term

Fully amortizing 10-year repayment keeps monthly payments manageable

Finance Goodwill

SBA allows financing of intangible value, not just hard assets

Working Capital Included

Can include working capital in the acquisition loan

What You'll Need

  • 3 years of business tax returns and financial statements
  • Purchase agreement or letter of intent
  • Business valuation or broker's opinion of value
  • Personal financial statement and credit history
  • Industry experience (construction or related field)
  • 10% down payment (cash or eligible equity sources)

Typical Timeline

1
Pre-Qualification
1–2 weeks: Review financials, confirm eligibility
2
Application & Underwriting
3–6 weeks: Full application, business valuation, underwriting
3
SBA Approval
2–4 weeks: SBA reviews and approves the loan
4
Closing & Funding
1–2 weeks: Final documents, closing, funds disbursed
Total Timeline: 45–90 days from application to funded

Learn More About SBA Business Acquisition Loans

SBA 7(a) loans are the most common way to finance a business acquisition. Visit our SBA Loans page to learn more about the program, qualification requirements, and how PeerSense can help you navigate the process.

View SBA Loan Options

Frequently Asked Questions

Common questions about construction business financing

Ready to Finance Your Construction Business?

PeerSense identifies the right capital source from our network of 500+ lenders, private equity firms, and institutional advisors — and makes the introduction. You get a straight assessment of where your deal fits and a direct connection to the source most likely to close it.

Whether you need equipment financing, working capital, or project funding, we'll connect you with the right capital structure for your construction operation.

Schedule a Call