Funding for Construction
Construction is one of the most capital-intensive industries in the U.S. economy. A single piece of heavy equipment can cost $100,000 to $500,000, and projects often require contractors to front materials and payroll for weeks or months before receiving payment.
FundFi works with lenders who specialize in construction financing. Equipment financing covers everything from skid steers and excavators to dump trucks and concrete mixers, with terms structured around equipment lifespans. Lines of credit help bridge the gap between project expenses and customer payments.
For larger contractors, SBA loans up to $5M provide long-term capital for major equipment fleets, facility expansion, or business acquisitions. Bridge loans can move quickly when timing matters on competitive bids or asset purchases.
Common Construction Funding Challenges
Why Choose FundFi for Construction Funding
- Equipment financing for heavy machinery, trucks, and tools with terms structured to match equipment lifespans
- Project-based working capital that bridges the gap between materials, payroll, and customer payments
- Approval based on contracts, equipment value, and project history — not just credit score
- SBA and term loan options up to $5M for major fleet expansion and facility growth
Recommended Funding Products
Frequently Asked Questions
Yes. Most lenders finance both new and used construction equipment. Used equipment up to 7 years old typically qualifies for similar terms as new, with slight rate adjustments.
Construction projects often have 60–90 day payment cycles. Lines of credit and accounts receivable financing are specifically designed to bridge those gaps and keep your business liquid.
Equipment financing is generally available for newer contractors when the equipment serves as collateral. Working capital and SBA loans typically require 1–2 years of operating history.
Yes. Many equipment lenders finance smaller tool packages starting at $5,000. For very small purchases, business lines of credit are often more efficient.
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