Construction Company Financing

Who This Is For

• General contractors managing large commercial or residential projects
• Subcontractors (plumbing, electrical, HVAC) needing materials funding
• Heavy highway and civil engineering firms
• Developers requiring bridge or mezzanine financing

Common Uses

• Bridging cash flow gaps between project milestones and payouts
• Purchasing or leasing heavy construction equipment
• Funding upfront material costs before receiving client deposits
• Covering payroll during seasonal fluctuations or delayed receivables
• Mobilization capital for newly awarded large contracts

Qualification & Documents

Key Qualification Factors:

• Minimum 1-2 years of operating history in the construction trades
• Demonstrated ability to complete projects profitably
• Strong accounts receivable aging (for factoring or lines of credit)
• Acceptable personal credit of the owners
• No major unresolved liens or judgments

Documents Needed:

• Recent business bank statements (3-6 months)
• Current Accounts Receivable (A/R) and Accounts Payable (A/P) reports
• Work-in-Progress (WIP) schedule
• Business tax returns (last 2 years)
• Copies of recently awarded contracts (for mobilization funding)

Funding Timeline

Working capital and equipment financing can be approved in 24-48 hours. Larger project-based financing or lines of credit typically take 1-3 weeks depending on the complexity of the WIP schedule.

Is it hard for construction companies to get loans?

Can I get financing based on my unpaid invoices?

What is mobilization funding?