Specialized financing for general contractors, trade businesses, and construction companies in the US and Canada. Get equipment loans, working capital, and project financing with industry-specific terms.
The construction industry faces unique financial challenges that require tailored solutions:
Custom funding options for general contractors, specialty trades, and construction firms:
"A commercial contractor secured $850K in equipment financing and working capital through our network after being declined by two major banks."
"A Toronto-based roofing company accessed $220K CAD in working capital through our Canadian construction lending partners to cover seasonal payroll needs."
Construction financing takes 4-8 weeks to secure. Smart contractors establish credit lines before bidding on projects.
Construction businesses need dedicated business bank accounts, credit profiles, and financial statements to qualify for best rates.
Most lenders want to see that you can cover 10-15% of project costs that may be held as retainage for 6-12 months.
Specialized lenders offer better terms for heavy equipment than traditional business loans (lower rates, longer terms).
Many lenders will provide financing based on signed contracts with reputable general contractors or government entities.
Get our 32-point guide to improving your construction company's financing options in 2025-2026:
This checklist helped a commercial electrical contractor increase their available credit from $50K to $500K in eight months by optimizing their financial profile and contract documentation.
Choose your next step to access better financing for equipment, payroll, materials, and project growth: