Funding for construction

Funding that keeps the crew on site and the job on schedule.

Progress payments lag 30–90 days behind the work. Materials, payroll, and equipment are due now. We connect you to lenders who understand contractor cash flow and don't flinch at lumpy receivables.

Get my funding options (213) 785-8787

Need it fast? Tell us and we'll move your file to the partners who can act quickest.

Construction crew working on a steel-frame building site

Avg we put together

$220K

$0K

Avg amount we put together

$15K–$5M

Funding range available

70%+

Of equipment cost financed

Banks & partners we shop

What it funds

What contractors use BadCreditBusinessLoan.com for.

Progress-payment bridge

Cover materials and payroll while you wait on the next draw or retainage release.

typically $25K – $500K

Heavy equipment

Finance excavators, skid steers, lifts, and trucks — new or used — up to 100%.

typically $30K – $2M

Crew & subcontractors

Make payroll and pay subs on time even when the GC pays you late.

typically $15K – $250K

Bonding & deposits

Free up cash tied in bid bonds and mobilization deposits to take the next job.

typically $20K – $400K

Best fit for construction

The funding we'd put on the table.

Business line of credit

Revolving capital you draw on demand. Pay interest only on what you use.

$25K – $1M · revolving

Equipment financing

Up to 100% of equipment cost financed, with the asset as collateral.

$15K – $5M · 2–7 yrs

Working capital loan

Short-term lump-sum capital for payroll, inventory, and operating costs.

$10K – $750K · 6–24 mo

Invoice factoring

Convert outstanding B2B invoices to cash, often within 24 hours.

$5K – $2M · invoice-tied

Questions, answered

Construction funding, demystified.

Don't see your question? Call (213) 785-8787 or email hello@badcreditbusinessloan.com.

Yes. Construction revenue is famously lumpy and our lender partners price for it. We weight your trailing 6–12 months and your contract backlog rather than expecting a flat monthly deposit.

Absolutely. Year, hours, and condition matter, but used excavators, loaders, and trucks are financed every day. A clean maintenance record gets you better terms.

That is one of our most common use cases. We structure a short-term line or working-capital advance against the receivable so you are not floating retainage out of pocket.

Usually the last 3 months of business bank statements and a basic application. For larger equipment deals we may ask for the equipment quote and a recent financial statement.

See what your jobsite qualifies for.

Four minutes. Soft credit check. A real person who understands draws, retainage, and equipment.

Get my funding options

No tax returns required to start

Options put together within 1 business day

Used-equipment friendly underwriting

Soft pull — your credit score is safe