Construction Business Loans
Your clients pay on their schedule. Your crew can’t wait
Get $5,000 to $10,000,000 to cover payroll, equipment, materials, and more. Funded in as little as 24 hours.
Simple, fast, and clear
How Construction Business Financing Works
Construction businesses operate on a cash flow cycle unlike most other industries. You win a contract, purchase materials, hire subcontractors, pay your crew, and then wait. Progress billing timelines and final payment delays can stretch weeks or months. In practice: you sign a $400,000 commercial contract in January, materials are due in February, and your first progress draw doesn’t arrive until March, maybe April. Your crew gets paid every Friday regardless. That gap has nothing to do with how good you are at your job. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding offers financing built for those realities. Whether you need a lump sum to purchase equipment, a revolving line to manage cash flow between projects, or invoice financing to stop waiting on slow-paying clients, we have options for contractors at every stage, commercial and residential.
A bank underwrites against two years of filed financials and a 680 credit score, often with a $50,000 minimum. Banks aren’t built to underwrite a business whose revenue arrives in progress draws months after the costs are incurred, which means the contractors under the most cash flow pressure are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we never perform a hard credit pull.
See How We Stack Up
Traditional Bank
Typical Online Lender
Won't affect your credit score.
Financing Solutions for Every Construction Phase
The right financing depends on where you are in the project cycle.
Pre-Construction
Before breaking ground, you need capital for permits, bonding, insurance, materials deposits, and mobilization costs. A business term loan or working capital financing gets funds in place before the first shovel turns, so you’re not scrambling once work begins.
During Active Construction
Day-to-day costs such as crew payroll, material deliveries and subcontractor payments don’t wait for milestone billing. A business line of credit gives you revolving access to funds so you can draw what you need, when you need it, and only pay interest on what you use.
Post-Completion
Waiting 30 to 90 days for final payment while your next project is already starting? Invoice financing advances up to 90% of outstanding invoice value, so you’re not personally financing your client’s slow payment schedule.
What Contractors Use Business Loans For
Construction financing is flexible. Here are the most common ways contractors put it to work.
All you need
to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates 50+ factors, including revenue history, deposit consistency, and time in business, not just your credit score. Construction companies with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
What Contractors Are Saying
Real contractors. Real results.
“I’m a general remodeling contractor. All business owners realize that cash flow is king and in the construction industry it’s everything. Frank with SBG helped me secure working capital for my business.”
$3B+
Funded since 2017
via Trustpilot
Working with Natalie was a pleasant experience. She made it very easy and presented options to choose from. The process was much easier and quicker than a traditional bank.
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
I really appreciate your help and guidance. I’m looking forward to working together in the future and building a great business relationship.
85%
Approval rate
via Better Business Bureau
No BS, just straight to the point and not pushy at all. He made the experience make sense and did everything he could including looking at all options. He is very knowledgeable and kept me up to date through the entire process. I look forward to working with him in the future.
A
BBB rating
via Better Business Bureau
He went through different options with me and took the time to answer any questions I had.
4.9
Google rating
via Better Business Bureau
Brendan was insightful, kind, and very responsive. I had a pleasure working with him and look forward to doing so again in the near future!
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application.
Helpful: 0 / Not helpful: 0
After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
Helpful: 0 / Not helpful: 0
No. SBG Funding’s construction business loans are unsecured. You are not required to pledge equipment, real estate, vehicles, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.
Helpful: 0 / Not helpful: 0
A business term loan provides a lump sum upfront, repaid on a fixed schedule, best for one-time purchases like equipment or a large materials order. A business line of credit is revolving. Draw what you need, repay it, and draw again, which suits ongoing expenses like payroll and materials across multiple projects.
Helpful: 0 / Not helpful: 0
Helpful: 0 / Not helpful: 0
No. SBG Funding performs no hard credit inquiry at any point in the application or approval. Applying will not impact your personal or business credit score.
Helpful: 0 / Not helpful: 0
SBG Funding works with general contractors, subcontractors, and specialty trade contractors, including electrical, plumbing, HVAC, framing, concrete, roofing, landscaping, and renovation businesses. Commercial and residential contractors both qualify. As long as your business meets the basic requirements of 6+ months in business, $150K+ annual revenue and a 500+ FICO, your specific trade does not affect eligibility.
Helpful: 0 / Not helpful: 0
Yes. SBG Funding evaluates your overall revenue history, not just your current month. Contractors with seasonal cash flow, common in northern climates, outdoor trades, or commercial construction tied to project cycles, can still qualify based on annual revenue and deposit consistency across the year.
Helpful: 0 / Not helpful: 0
Yes. There are no restrictions on how you use working capital financing. Many contractors use business loans to bring on additional crew members for a large project, cover payroll during a ramp-up period, or fund the labor costs of expansion into a new market or trade.
Helpful: 0 / Not helpful: 0
Ready to Grow Your Construction Business?
Whether you need to cover payroll between projects, purchase equipment, or take on a larger contract, SBG Funding has construction financing designed for how your business actually works. Apply online in minutes. No collateral, no hard credit pull, no obligation.