Construction Business Loans & Contractor Funding
Materials and payroll go out long before the client pays. Get matched with lenders who understand construction cash flow — working capital, equipment, and funding to bridge slow-paying jobs. Free to apply, no hard credit pull.
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Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Funding built for construction cash flow
Contractors front the cost of labor and materials, then wait 30–90 days to get paid. That gap is the biggest cash-flow squeeze in the trade, and the right funding bridges it.
Ways contractors use funding
- Buying materials for a new job upfront
- Making payroll between progress payments
- Purchasing or repairing equipment
- Bridging 30–90 day client payment terms
- Taking on a bigger project than current cash allows
Options that work for construction
- Working capital / short-term loans
- Equipment financing for machinery and vehicles
- Merchant cash advance or revenue-based funding against receipts
- Invoice factoring to get paid now on outstanding job invoices
Equipment financing for startup contractors
Need a truck, excavator, or other machine to take on bigger jobs? Construction equipment financing uses the equipment itself as collateral, so even startup contractors and those with lower credit can often qualify — the asset secures the deal, and steady revenue improves your terms. New or used machinery both qualify.
What lenders look for
- Months in operation
- Monthly revenue and deposit history
- Consistency of cash flow
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Funding for trucking companies and owner-operators — working capital, equipment, and cash-flow help. Compare lenders with no hard credit pull.
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
