Construction & Contractors Business Loans
In today's fast-paced construction industry, reliable access to capital is critical. Whether you need to cover material costs, manage payroll, or take on larger projects, our construction financing solutions provide the flexibility and speed your business needs. Get approved in as fast as 24 hours with funding as fast as the next business day.
- $3.5M Maximum Funding
- 6-36 mo Repayment Terms
- 24 hrs As Soon As Funding
- 550+ Credit Score
When to Use Construction Business Financing
Maximize your financial potential with our advisors who bring real-world expertise to the table. We're committed to leveraging their extensive knowledge to guide you towards financial success and security.
Material Purchases
Cover upfront costs for lumber, concrete, steel, and supplies before client payments arrive.
Labor & Payroll
Keep skilled workers on-site by ensuring timely payments to employees and subcontractors.
Equipment Needs
Purchase or repair heavy machinery, vehicles, and essential tools to keep projects moving forward.
Project Scaling
Take on larger contracts and expand operations with confidence, bridging payment gaps between milestones.
Insurance & Compliance
Stay compliant by covering insurance premiums, permits, licenses, and other regulatory requirements.
Emergency Expenses
Handle unexpected costs, weather delays, or urgent repairs without disrupting ongoing projects.
Advantages of Construction Business Financing
Discover why construction & contractors business loans businesses choose SCG Funding for their financing needs. Our solutions are designed to keep your operations running smoothly with fast funding, flexible terms, and industry-specific support.
- Flexible Project Funding
- Use funds for any construction expense - from materials and labor to equipment and insurance. Unlike restricted bank loans, you decide where the money goes based on your project needs.
- 24-Hour Project Support
- Keep projects on schedule with rapid funding. Get approved as fast as 24 hours and funded in 1-3 days, ensuring you never miss a deadline due to cash flow gaps.
- Revenue-Based Approval
- Qualify based on your business performance, not collateral. No need to risk valuable equipment or property - your revenue stream is what matters.
- Renewable Funding Options
- Access additional capital mid-term when new opportunities arise. Your dedicated account manager helps plan future funding to maintain consistent cash flow for ongoing projects.
- Simplified Payment Structure
- Choose payment terms that align with your project timelines and revenue cycles. Flexible 6-36 month terms with clear, upfront costs.
- Dedicated Industry Support
- Work with financing experts who understand construction business cycles, seasonal demands, and project-based cash flow needs.
How much can I qualify for?
Understanding your numbers is the first step to unlocking the right funding. Use our simple calculator to estimate what you might qualify for—no commitment required.
Estimate Your Pre-Approval
Select your estimated credit rating:
*Results shown are for illustration purposes only. Applications are subject to approval. Qualification criteria, rates, and other funding terms will vary depending on other factors.
Basic Requirements
- $20,000+Minimum Monthly Revenue
- Demonstrate consistent cash flow with monthly revenue exceeding $20,000 to qualify for most business funding options.
- 1+ yearsTime in Business
- Established businesses with at least 1 year of operating history show stability to lenders.
- 600+Credit Score Considered
- While requirements vary by lender, a minimum credit score of 600 is typically needed, with better terms for higher scores.
“As a small business, acquiring funding at every stage is so important. Mike was very service oriented and professional. He provided options that made sense for our business & most of all he didn't tell us what we wanted to hear to get the close. He was upfront and honest about the entire process & the numbers.”
Ready to build your construction business?
SCG offers more than just capital—we provide construction businesses with a strategic approach to funding that helps you manage cash flow and seize opportunities. Our deep understanding of the construction industry, combined with fast approvals and flexible terms, makes us the preferred choice for contractors nationwide. From materials and labor to equipment and growth, we're here to support your success at every stage.