Construction business loans
Fast, flexible financing for your construction projects*—secure up to $600,000 in as little as 4 hours.
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Approval
as fast as 2 hours
Funding
As fast as 4 hours
Approval
As fast as 2 hours
55,000+
Small businesses financed
What can you get with a construction business loan?
Use your small business loan for:
Purchasing equipment and machinery
Covering payroll during projects
Expanding or renovating your facility
Managing cash flow between jobs
Securing raw materials and supplies
How can you qualify for a loan?
Overall, you need the following to qualify for a loan. (Qualifications may differ between financing options.)
Operating in the U.S.
6+ months in business
$15,000+ in monthly deposits
Receive revenue in a business bank account
A credit score of 500+
How this works
Is your business one of the 43% of construction companies prioritizing financial health?
Start by picking the best-fit financing option for your business.
Our financing solutions include:
Long-term loans
Fuel your business growth with financing up to $10 million and terms as long as 120 months. Whether you’re expanding or launching a new product, a long-term business loan offers the capital and flexibility you need to grow.
Working capital loans
Get up to $600,000 with a working capital loan. This short-term option provides fast capital so you can take advantage of new opportunities.
Line of credit
A revolving line of credit provides up to $300,000 in financing whenever you need it. This is perfect for managing cash flow, seasonal inventory, or unexpected expenses.
We are trusted by:
Empowering small businesses with flexible financing options from Express Commercial Capital. Fast approval and tailored funding to grow your business.
Trusted financial advice and tools from Bankrate for personal finance management.
A professional image showcasing Express Commercial Capital financial services and business loan solutions for small to medium-sized enterprises.
Four steps to funding
Explore financing options without affecting your credit score.
Apply in minutes
Click “Get Started” to quickly pre-qualify for your financing of choice.
Submit essential documents
Prepare your bank statements and government-issued ID for a smooth approval process.
Fast approval, in as little as 4 hours
Get your loan application reviewed and receive approval in as little as 4 hours.
Same-day funding available
Once approved, receive your funds directly in your bank account.
Free Estimate!
For the fastest reply, call or text us 24/7 at 310-954-6805
Take the first step toward growth
Your first step starts here
Our streamlined application process, flexible terms, and quick approvals mean you can focus on growing your business without delays.
Get financing, fast
Why wait for weeks to hear back from a bank? With Express Commercial Capital, you can secure the fast construction loan your business needs today.
Competitive factor rates
Worried about rates? We offer competitive, unbeatable factor rates, ensuring you get the best deal possible.
U.S.-based reps
Plus, our 100% U.S.-based customer service team is here to support your success every step of the way.
Is a loan for your construction company the right choice?
Pros
Get the funds you need to finance major projects.
Fund new builds or renovations, allowing for increased capacity or new locations.
There are many financing options available—this gives you the flexibility to choose right-fit financing.
Cons
Securing favorable rates and loan terms can be challenging if your personal or business credit is less than stellar.
Some loans may require assets as collateral or for you to provide a personal guaranty.
Startups and new businesses may struggle to qualify for construction loans.
Why choose Credibly for your construction business loan?
Nearly two-thirds of construction companies are focused on finding cost-effective financing.
When you borrow with an alternative lender, you get competitive rates that let you grow quicker and support business success.
With over 50,000 businesses served across the U.S., we know how to help you get the capital you need—fast.
Our expert team is here to guide you every step of the way, making sure you get the best offers for your business.
Leading customer service
Rated 4.8 out of 5 on Trustpilot, we offer top-tier customer service and a streamlined process to get your loan quickly.
Ready to take on your next big project? We’ve got you covered.
Our Services
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Credibly’s other business financing options
Merchant cash advance
A great financing solution for those with lower credit scores in immediate need of short-term funding.
Long-term loan
Plan for the future with confidence with this long-term loan.
Business lines of credit
The most flexible access to working capital whenever you need it.
All financing options
Don’t see what you need here? Look at all of Express Commercial Capital business financing options.
Frequently asked questions about construction business loans
How quickly can I receive funds?
You can receive your funds in as little as 24 hours after approval.
Our streamlined process means faster access to capital, so you can keep your projects on schedule.
Once you submit the necessary documents and receive approval, funds are sent directly into your business bank account.
Do I need to provide collateral for construction financing?
Depending on the loan amount and your business's financial situation, you may need to provide collateral for financing.
Some of these options may include:
- Long-term loans
- Equipment financing
- Working capital loan
- Collateral could include business assets like property or equipment.
Some loans may also require a personal guaranty, meaning you’ll be personally responsible if your business defaults.
Can I use a construction loan for other business expenses?
Yes—it all depends on the kind of financing you apply for.
Depending on what you apply for, you can use financing to:
- Purchase equipment
- Cover payroll during projects
- Manage cash flow between jobs
Learn About Our Financing Options
How can I improve my chances of getting approved for a construction loan?
Focus on maintaining a good credit score, keeping steady revenue, and having organized financial records. Lenders will look at your business’s financial health, time in operation, and your ability to repay the loan.
Credibly’s experts can also help guide you toward better loan offers by evaluating your business’s strengths and preparing the right documentation.
Can I apply for a business loan if I already have other loans?
Yes! Lenders will evaluate your current financial obligations to ensure that you have the ability to manage additional debt.
A strong cash flow, good credit score, and steady business revenue are factors that may help your approval chances.
We assess your unique financial situation to help you find the right solution.
Fuel your next step toward growth.
Apply today. Receive same-day funding to keep your projects moving forward.
Frequently Asked Questions
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