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Financing Resources

Recommended lenders and funding options for contractors, dealers, and small construction businesses. Always verify terms, rates, and eligibility directly with the lender.

Recommended lenders

We did the hard part for you. These are the lenders and funding sources commonly used by contractors and dealers. Click through to compare products, check current rates, and start an application.

How contractors use financing

Construction cash flow is lumpy. Materials get ordered before invoices get paid, payroll runs weekly, and retention can hold up final payment for months. The right financing smooths the gap without giving up equity.

Working capital lines

Draw as needed for payroll, materials, and overhead between project payments.

Equipment financing

Spread the cost of trucks, excavators, and tools over their useful life.

Invoice factoring

Sell approved receivables to get cash now instead of waiting 30–60 days.

Business credit cards

Useful for small purchases and fuel; track receipts by job for clean bookkeeping.

What to compare before signing

The lowest rate isn't always the best deal. Look at total cost, covenants, prepayment penalties, and how fast you can actually access the funds.

  • ▸ Annual percentage rate (APR) vs. simple interest rate
  • ▸ Origination fees, closing costs, and annual line fees
  • ▸ Prepayment penalties and minimum draw requirements
  • ▸ Personal guarantee and collateral requirements
  • ▸ Time to fund after approval