Construction Business Funding That Keeps Your Projects Moving
Waiting on slow-pay draws shouldn't mean turning down the next contract. Get $5,000–$500,000 to cover materials, payroll, equipment, and bonding — with a decision in minutes and money in your account in as little as 24 hours.
The Cash Flow Reality of Running a Construction Business
Construction is one of the most capital-intensive industries in the country — and one of the least forgiving when it comes to cash timing. Draws from general contractors can take 30, 60, even 90 days to land after the work is done. Meanwhile, materials need to be purchased before the first shovel goes in the ground, subcontractors expect payment on schedule, and your crew's payroll doesn't care what day the GC cuts the check.
ABC Funding bridges that gap with revenue-based capital designed around how construction actually works. Whether you're a general contractor managing multiple projects, a specialty trade sub waiting on receivables, or an owner-operator trying to front the costs on a new contract, we can get capital into your account in as little as 24 hours — based on your revenue, not your credit score history.
6 Ways Construction Companies Use ABC Funding
Capital that fits how your business actually operates — not how a bank wishes it did.
Equipment Purchases & Repairs
Buy excavators, lifts, trucks, or repair critical gear without draining operating cash. Keep your fleet running and your jobs on schedule.
Materials & Supplies
Stock lumber, concrete, steel, and specialized materials before the GC issues the next draw. Never stall a job because of a supply gap.
Payroll Between Draws
Keep your crew paid and on-site when your customer is 60 days behind on payment. Your people shouldn't wait because your client is slow.
Bonding & Insurance Premiums
Meet bid requirements and secure performance bonds without tapping project cash. Win more contracts with the right coverage in place.
New Crew Expansion
Hire laborers, operators, and subs to take on a second or third concurrent project. Scale your capacity without scaling your risk.
Bridge Slow-Pay Invoices
Stop losing momentum on active jobs because a general contractor hasn't settled last month's invoice. Keep every project moving simultaneously.
Funding Options Built for Construction Companies
Pick the product that fits your project — or talk to a specialist who'll match you to the right structure.
Working Capital Loans
Cover payroll, materials, and operating expenses while you wait on payment draws.
$5,000–$500,000
Learn moreShort-Term Loans
A lump sum now for a specific project cost — paid back on a clear, predictable schedule.
Up to $500,000
Learn moreEquipment Financing
Buy or lease excavators, cranes, trucks, and tools without touching your working capital.
Up to $250,000
Learn moreBusiness Line of Credit
Draw what you need between jobs, pay it back as draws come in — a revolving safety net.
Up to $250,000
Learn moreDo You Qualify?
Most construction businesses get approved if they meet these simple benchmarks:
- 6+ months in business
- $10,000+ in average monthly revenue
- Active business bank account
- U.S.-based business
- No open bankruptcies
- Construction, trade, or contracting business (GCs, subs, specialty trades all welcome)
We evaluate your revenue and cash flow — not just your credit score.
"We landed a $340,000 commercial remodel contract but couldn't front the material costs. ABC Funding approved us for $85,000 in working capital the same afternoon we applied. The money hit our account the next morning and we ordered materials that afternoon. We finished the job on time and made our best margin of the year."
Marcus T.
General Contractor — Georgia
How much could your construction business get?
Slide to your amount and see an instant estimate — no signup, no credit check.
Construction Funding — Frequently Asked Questions
Can I get funding while waiting on a payment draw from a general contractor?
Yes. This is one of the most common reasons construction businesses come to us. ABC Funding can provide working capital or a short-term advance based on your monthly revenue — so you're not held hostage while you wait on a slow-paying GC.
Do I need to put up equipment or real estate as collateral?
Most of our funding products don't require traditional collateral. Approvals are based on your business revenue and bank statements. Equipment financing is secured by the equipment itself — that's it.
Can a specialty trade contractor (electricians, plumbers, HVAC) get funded?
Absolutely. We fund GCs, subcontractors, specialty trades, and owner-operators. As long as you have 6+ months in business and consistent monthly revenue, you're a strong candidate.
How fast can I get funded for a construction project?
Most applications get a decision within minutes. After approval, funds are typically in your business bank account in as little as 24 hours — fast enough to order materials the same week.
What if my credit score isn't great because of a slow season?
Your credit score is one factor, not the whole picture. We focus primarily on your revenue and cash flow. Many construction businesses with imperfect credit get approved because their cash flow tells a better story than their score.
Ready to keep your projects moving? Let's get you funded.
Apply in 60 seconds. No cost, no credit impact.