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Construction Business Loans & Financing for Contractors
Get fast Construction Business Loans to manage cash flow, purchase equipment, and grow your construction projects.
🏗️ New Builds
🏠 Multi-Unit Homes
🔄 Renovation Loans
💼 Commercial Projects
Construction Business Funding Made Simple
Struggling to find fast construction loans with same-day approval? We make it easy for contractors, builders, and investors to access construction business loans with flexible repayment terms.
Whether you need funding for heavy equipment and machinery, working capital to manage payroll, or a bridge loan to cover cash flow, our construction company financing solutions are designed for you. We even offer options for contractors with bad credit.
From short-term to long-term loans for construction companies, we provide affordable programs that ensure you never miss out on growth opportunities. Our experts will guide you through how to get a loan for a construction business while ensuring low-interest, transparent terms.
Fast Approvals: Get same-day funding so your construction projects never face delays.
Flexible Loan Terms: Choose between short-term vs long-term loans with repayment plans tailored to your cash flow.
Growth Focused: From financing options for construction startups to established builders, we offer construction company working capital solutions that scale with your business.
Our Services
Powering Construction Dreams!
DSCR Loans
6.6% - 8.0% Interest Rate
Smart construction business loans designed for investors where property income qualifies, not personal income.
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Fix & Flip
8.99% Interest Rate
Flexible fix-flip financing for contractors to buy, renovate, and sell properties profitably.
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Model Home Loan
8.99% Interest Rate
Tailored model home financing that helps builders showcase properties and attract buyers.
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Construction Loans
7.99%-10.99% Interest Rate
Reliable commercial construction loans and business funding to cover labor, equipment, and materials.
Get an OfferAvailable Loans
-
Builder Line of Credit
5 years of borrowing (revolver) up to 100%
LTC
Cost
- Low Rate - Floating based on Prime
- Low or No Fee - Limit on total lender fees you pay, no matter how much or how many times you borrow
Maximum LTC
- 100% Up to 100% LTC
Features
- "Skip" monthly payments
- Same day draws possible
- Up to $5,000,000 per project
- Construction Loans 7.99%-10.99% rate1 for individual projects
Coast to Coast
Loans available in 47 states and Washington D.C.
Four Simple Steps to Construction Funding
1
2
Submit your application
Provide your project and financial details so we can start the review process.
3
Compare offers
Review multiple loan offers and select the one that best fits your project needs.
4
Get funded
Receive your funds quickly so you can begin or continue your construction project.
Proven construction lending expertise
Get the answers and the funding you need with support all along the way.
$1.4 billion
in small business funding
facilitated in the last
decade.
4.7 stars
21,500 ABF® reviews.
50% repeat customers.
75+ lenders
providing broad coverage
for small business lending.
Frequently Asked Questions
Most lenders require a detailed business plan, good credit history, proof of construction experience, project cost estimates, and sometimes collateral. Financial documents such as tax returns and bank statements are often needed as well.
Typically, the minimum down payment ranges between 10% to 30% of the project cost, depending on the lender and borrower’s financial profile.
Yes. Contractors can apply for small business loans, lines of credit, equipment financing, or even SBA loans to fund operations, purchase tools, or manage cash flow.
The best loan depends on the contractor’s needs. SBA loans are great for long-term financing, while short-term loans or lines of credit help cover immediate project costs. Equipment loans are ideal for purchasing machinery or tools.
An online marketplace allows you to compare multiple lenders in one place, find competitive rates, get faster approvals, and choose flexible terms that best suit your project and business.
An SBA loan is a small business loan partially guaranteed by the U.S. Small Business Administration. It helps businesses qualify for favorable terms like lower interest rates and longer repayment periods.
- SBA 7(a) Loan: General-purpose loan for working capital, expansion, or equipment.
- SBA 504 Loan: For real estate and large equipment purchases.
- SBA Microloan: Smaller loans (up to $50,000) for startups and small businesses.
- SBA Disaster Loan: For businesses impacted by declared disasters.
What Our Clients Say
With a construction business loan, we finally had the cash flow to take on larger contracts, upgrade our equipment, and grow revenue. It’s been the smartest move for our company’s expansion.
Michael Johnson
Homeowner, USA
Securing a construction business loan was fast and straightforward, and the funds helped us manage payroll, cover supply costs, and scale operations. It gave us the stability we needed to keep building.
Sophia Martinez
Architect
Excellent teamwork and transparent communication .Their expertise in sustainable design made our investment project both modern and eco-friendly.
Emma Wilson
Real Estate Investor
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Constraints?
From Blueprint to Reality – We Construct Your Vision
$ 1 B+
Funded to small businesses throughout the U.S.
20,000+
Loans funded over 9 years
100+
Lenders in our marketplace
500+
businesses depend on ABF to achieve their financial needs.
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