What loans are available for construction companies?
Construction companies can access equipment financing, invoice factoring, business lines of credit, working capital loans, SBA loans, and purchase order financing: each built for a different gap in the construction cash cycle. The core problem is structural: you pay for labor, materials, and machines months before progress payments arrive. When a draw is late and payroll isn't, the wrong financing (or none) stalls the job. Quordx Capital's 50+ lender network includes construction-specialty lenders who understand retainage, draw schedules, and seasonal work, and matching is free.
Part of our industry guide: Industry Financing.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
The construction financing toolkit, gap by gap
Map your cash gap to the product designed for it:
- Machines and vehicles: equipment financing funds excavators, skid steers, trucks, and tools from $5K to $5M+, new or used, with the equipment as collateral and terms of 24-84 months. Rates commonly run ~7%-20%. - Slow progress payments and retainage: invoice factoring advances typically 70-90% of invoice value on completed, approved work: underwritten on your GC's or owner's credit, not yours. Commercial construction factors deeply here. - Payroll and materials between draws: working capital loans ($5K-$500K) or a revolving line of credit ($10K-$250K+, interest only on what you draw) bridge the weeks between outlay and payment. - Big purchases and expansion: SBA 7(a) loans up to $5M offer the lowest-cost growth capital: current variable rates run roughly 10.5%-14%, if you can wait through a longer process.
Most lenders want 3-6+ months of operating history and about $10K+ in monthly revenue; equipment and factoring deals are the most forgiving on credit because collateral or customer strength carries the file.
Construction funding options Quordx Capital brokers
Equipment financing: Best for heavy iron and work trucks without draining cash reserves.
A/R financing / invoice factoring: Best for contractors squeezed by 30-90 day payment cycles on completed work.
Business line of credit: Best for the recurring lurch of payroll-before-draw: reusable job after job.
SBA loans: Best for buying a yard, shop, or major expansion at the lowest available rates.
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How Quordx Capital Works
One application, about 5 minutes, and one document upload replace applying to lenders one by one. The AI platform reads your revenue, time in business, and funding need, then ranks the 3-7 best fits from 50+ vetted lenders by likelihood of approval. Expect lender decisions inside 24-48 hours and funding in 3-7 business days for most products.
What to Expect
Expect lenders who already understand that construction revenue is lumpy: seasonal dips and concentrated receivables won't shock them. If your credit is bruised from a bad project, collateral-backed and invoice-backed options stay on the table. Every term and fee is disclosed upfront, the matching costs you nothing, and there's no obligation to take any offer.
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Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures