Construction Business Loans Up to $5M
Fast funding for contractors and construction companies. Bad credit OK.
Prime Business Care specializes in construction business loans for general contractors, subcontractors, and specialty trades. Get working capital, equipment financing, invoice factoring, and MCA products designed for the unique payment cycles and capital needs of construction. Funded in 24 hours.
Business Loans Built for the Construction Industry
Construction business loans from Prime Business Care are built for the reality of how contractors operate: long payment cycles on AIA draws and pay apps, front-loaded job costs, expensive equipment, weather delays, and banks that don't understand project-based cash flow.
Whether you're a solo handyman, a specialty subcontractor, a growing general contractor, or an established construction company — we provide funding products that match how construction businesses actually work. Most traditional banks decline construction applications because they can't properly evaluate project-based revenue. We specialize in funding the contractors banks reject.
From a $50,000 MCA to cover payroll during a slow pay app cycle, to $500,000 equipment financing for a new excavator or dump truck, to $2 million working capital for project mobilization — we have the right product for every construction business stage. 24-hour approvals. Bad credit welcome. Licensed contractors get priority pricing.
Unique Cash Flow Challenges in Construction
Construction cash flow is unlike any other industry. Here are the realities that make fast business funding essential for contractors and construction companies.
Slow Pay Apps
AIA draws and pay applications can take 30-90 days to process. You've already paid labor, materials, and subs — but the money doesn't come in for months.
Front-Loaded Costs
Mobilization, initial materials, and early labor all come out of your pocket before any draw pays. Large jobs require serious upfront capital.
Equipment Investment
Excavators, dump trucks, skid steers, cranes — construction equipment easily costs hundreds of thousands. Financing lets you work without tying up cash.
Weather Delays
Rain, snow, freezing temps can shut down jobs for days or weeks. Your overhead keeps running — payroll, insurance, equipment — but revenue stops.
Banks Don't Get Construction
Traditional lenders struggle with project-based revenue and retainage. They see "risk" where construction veterans see normal operations.
Growth Requires Capital
Bigger jobs mean bigger upfront costs. Taking on larger projects or new divisions requires capital that takes months to recoup from the work.
Construction Business Loan Products
We offer multiple funding products tailored to how construction businesses actually generate and use capital. Pick the right product for your project needs.
Construction Merchant Cash Advance
Fast funding based on bank deposit history. Repayment flexes with revenue — makes sense for contractors with variable monthly income from project-based work. Perfect for bridging pay app gaps.
Learn about MCA →Construction Equipment Financing
Finance excavators, bulldozers, skid steers, dump trucks, cranes, and specialty equipment. Equipment secures the loan — easier qualification. Section 179 tax benefits apply.
Learn about equipment financing →Construction Line of Credit
Revolving credit for ongoing project needs. Draw when starting a new job, repay when the pay app clears. Only pay interest on what you use. Perfect for managing AIA cycles.
Learn about lines of credit →Invoice Factoring for Contractors
Turn pay apps and invoices into immediate cash. Sell your receivables for 85-95% upfront. Factor collects from GC or owner. Eliminates the 30-90 day wait and keeps projects moving.
Learn about factoring →What Contractors Use Business Funding For
Construction business loans cover virtually every expense contractors face. Here's what our construction clients use funding for most often.
Payroll & Subs
Make payroll and pay subcontractors on time — even when pay apps haven't cleared yet.
Materials & Supplies
Bulk purchase discounts, large material orders, or filling urgent job site needs.
Equipment Purchase
Excavators, dump trucks, skid steers, cranes, concrete pumps, and specialty tools.
Project Mobilization
Cover startup costs for new jobs before the first pay app hits your account.
Insurance & Bonds
GL, workers comp, builder's risk, performance bonds, and payment bonds.
Vehicle Fleet
Pickup trucks, service vans, utility vehicles, trailers, and fleet expansion.
Licenses & Permits
Contractor license renewals, state registrations, permits, and compliance costs.
Fuel & Operating
Fuel for trucks and equipment, shop overhead, utilities, and daily operations.
Growth & Expansion
Hiring new crews, opening new divisions, adding service lines, or geographic expansion.
How Contractors Qualify for Business Loans
Our construction business loan requirements are realistic for the construction industry. Here's what you need to qualify for fast funding.
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6+ Months in Business
Operating your construction business at least 6 months. Longer history unlocks better rates and larger funding amounts.
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$15,000+ Monthly Revenue
Consistent $15K+ in monthly revenue verifiable through bank deposits. Higher volume means larger funding eligibility.
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500+ Credit Score
FICO scores as low as 500 accepted for MCA products. Higher scores unlock equipment financing (550+) and lines of credit (600+).
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Business Bank Account
Dedicated business checking account showing regular project deposits. Personal accounts generally don't qualify.
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Contractor License (Preferred)
Active contractor license preferred but not always required. Unlicensed trades still qualify for many products with strong revenue.
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No Open Bankruptcies
No currently open bankruptcy proceedings. Discharged bankruptcies typically OK after 1-2 years with strong business performance.
Construction Businesses We Fund
From general contractors to specialty trades, we fund every type of construction business across residential, commercial, and infrastructure work.
General Contractors
Home Builders
Remodelers
Electricians
Plumbers
HVAC Contractors
Commercial GCs
Excavation & Grading
Masonry
Painting Contractors
Roofing Contractors
Framing & Drywall
Landscaping
Concrete & Paving
Demolition
Specialty Trades
Why Contractors Choose Prime Business Care
Construction is one of our biggest funding categories. Here's why contractors choose us over banks and other funders.
Same-Day Funding Possible
MCA and factoring products can fund same-day for qualified contractors. Most products funded within 24-48 hours — fast enough for project mobilization.
Bad Credit Welcome
500+ FICO accepted for most products. Many contractors have credit scars from past business cycles — we look at current performance.
Construction Specialists
Our team understands AIA draws, retainage, pay apps, bonding, and project-based cash flow. We speak construction, not just banking.
Renewal-Focused
Most contractors we fund come back for renewals. Build a relationship once, get better rates and faster approvals on every future funding.
Multiple Products
MCA, equipment financing, factoring, working capital, lines of credit — all under one application. We match you to the best product.
Dedicated Specialist
Work with one funding specialist who understands your construction business from first call through funding and renewal. No runaround.
Construction Business Loan FAQ
Common questions from contractors and construction business owners about funding, qualification, and products.
What are construction business loans?
Construction business loans are financing products for general contractors, subcontractors, and specialty trades. They include working capital loans for payroll and materials, equipment financing for heavy machinery and trucks, merchant cash advances for fast cash, lines of credit for ongoing project needs, and invoice factoring for AIA draws and pay apps.
How do contractors qualify?
Contractors qualify based on business revenue, time in business, and bank deposit history. Most products require $15,000+ monthly revenue, 6+ months in business, and a 500+ FICO. Equipment financing is easier to qualify for because equipment secures the loan. Bonding capacity and license status help but aren't always required.
Can I finance construction equipment?
Yes. Prime Business Care finances all types of construction equipment — excavators, bulldozers, skid steers, backhoes, cranes, dump trucks, forklifts, concrete equipment, and specialty tools. We finance both new and used equipment up to 10 years old. Section 179 tax benefits available.
How do I handle cash flow gaps?
Construction businesses face long payment cycles — 30-90 days on AIA draws and payment applications. Lines of credit bridge these gaps. Invoice factoring turns unpaid invoices into immediate cash. MCA advances provide fast capital without waiting. Most contractors use multiple funding products strategically based on project needs.
Can new construction businesses get loans?
Yes, once you have 6 months of operating history. For very new construction businesses (under 6 months), equipment financing is often the first accessible product because the equipment serves as collateral. Established contractors with 1+ year in business have access to our full product suite.
What can I use funding for?
Construction funding covers any legitimate business expense — payroll, materials and supplies, subcontractor payments, equipment purchases, truck financing, fuel, insurance bonds, permits and licensing, job site expenses, office overhead, workers comp premiums, bridging pay app gaps, and funding new project mobilization.
How much can I borrow?
Amounts range from $10,000 for small contractors to $5,000,000+ for established GCs. Most contractors qualify for 80% to 150% of monthly gross revenue. Equipment financing can exceed $5M for large machinery and fleet purchases. Bonding enhances borrowing capacity for larger projects.
Do I need a license to qualify?
A contractor license isn't always required for MCA or equipment financing. However, licensed contractors typically qualify for better rates and larger amounts. Having an active contractor license, bonding, and proper insurance improves your approval odds and pricing across all product types.
Apply for a Construction Business Loan Today
Get a decision in 24 hours. No credit impact on initial application. 500+ FICO accepted. All construction trades welcome.
Start Your Application