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.
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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.
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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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
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