Business financing
Business Line of Credit for Construction
Revolving access to capital on demand. Only pay interest on what you use, and reuse it as you repay. Working capital and equipment financing to mobilize on new contracts — before client payments arrive. Construction cash flow is notoriously uneven, and we structure funding around how the industry actually operates.
- Amount
- $10K – $250K
- Speed
- As fast as 24 hours
- Repayment
- Revolving — pay only on what you draw
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What you can fund
How Construction put Business Line of Credit to work
Equipment & machinery
Finance excavators, lifts, trucks, or specialized tools to take on larger jobs.
Materials & subs
Cover lumber, steel, concrete, and subcontractor invoices before your first draw.
Payroll between draws
Keep your crew paid consistently even when draw schedules create gaps.
Bonding & bids
Meet working-capital requirements to qualify for larger public or commercial contracts.
Why choose it
Why Business Line of Credit fits Construction
Draw what you need
Pull funds on demand up to your limit instead of taking a single lump sum.
Pay for what you use
Interest applies only to the balance you draw, not your full credit limit.
Reusable by design
As you repay, your available credit replenishes and is ready to use again.
Always-on reserve
Keep a standing line in place to handle opportunities or surprises without reapplying.
Best fit
A strong fit when you're
- Businesses with recurring or unpredictable expenses
- Owners who want capital ready before they need it
- Managing gaps between invoices and payments
- Companies that prefer flexibility over a fixed sum
Questions
Common questions
How does a line of credit work?
You're approved for a maximum limit and can draw any amount up to it. You repay over time, and your available credit refills as you pay down the balance, so you can draw again without a new application.
When do I start paying interest?
Interest only accrues on the funds you actually draw. If you don't use the line, you don't pay on it.
What does it take to qualify?
We look at your monthly revenue, time in business, and bank activity. The application is short and typically requires only recent bank statements.
How fast can I access funds?
Once your line is approved, draws can reach your account in as little as 24 hours, and future draws are usually even faster.
See what you qualify for.
Apply in minutes and see what your business qualifies for — no obligation, no impact to your credit.