Fast
Online application in 5 minutes. Funds deposited the next business day on most products — before your next payroll. Learn more about our construction business funding offerings.
Construction Funding
Construction Business Funding Construction Business Funding for Contractors & Trades
Fast, flexible, responsible construction business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed general contractors, subcontractors, and trades across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Contractors Choose Coast for Construction Business Funding
Construction firms face funding challenges traditional banks aren't built to solve: long pay cycles, AIA progress draws, retainage holds, heavy equipment costs, and lumpy job-based cash flow. Our team has been financing contractors since 2014 and approves construction business funding based on real-world revenue — not just credit scores.
Flexible
Six funding products built for construction — from $5K payroll bridges to $5M heavy equipment financing.
Responsible
The only funding partner committed to guiding contractors to responsible decisions — not just the biggest check.
Funding Options
Construction Funding Options
Whether you need a heavy equipment loan, construction working capital to front payroll, or capital to bridge an AIA progress draw, we have a program built for it.
Heavy Equipment
Heavy Equipment Financing
$10,000 – $5,000,000 · 2–7 years
Finance excavators, skid steers, loaders, lifts, dump trucks, and specialty machinery with fixed monthly payments. New and used, single-unit or full fleet.
Explore equipment financing →
Working Capital
Construction Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront to front payroll, cover materials, pay subs, and bridge the gap before client draws hit. Approval driven by recent revenue, not just credit.
Explore working capital →
Receivables
Receivables Financing
$10,000 – $1,000,000 · Sales-based
Bridge AIA G702/G703 progress draws and retainage. Advance against pending pay applications so your crew keeps moving while the client processes.
Explore receivables financing →
Line of Credit
Construction Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need and only pay for what you use. Revolving access with monthly rates starting at 2.99% — perfect for project ramps and material orders.
Explore lines of credit →
Term Loan
Construction Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for expansion, new crews, yard build-outs, and full construction company acquisitions. Predictable monthly payments.
Explore term loans →
Bonding & Insurance
Bonding & Insurance Backstop
$10,000 – $1,000,000
Strengthen your balance sheet to support larger surety lines, insurance premium financing, and license bond requirements without locking up working cash.
Apply for bonding capital →| Program | Amount | Term | Best For |
|---|---|---|---|
| Heavy Equipment Financing | $10K – $5M | 2 – 7 years | Excavators, lifts, dump trucks, machinery |
| Working Capital | $5K – $2M | 3 – 24 months | Payroll, materials, subcontractor draws |
| Receivables Financing | $10K – $1M | Sales-based | Bridge AIA progress draws and retainage |
| Business Line of Credit | $10K – $500K | Revolving | Recurring cash flow gaps, monthly rates from 2.99% |
| Construction Term Loan | $10K – $1M | Up to 5 years | Expansion, new yards, acquisitions |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Construction Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your draw schedule.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Contractor Qualifications
Approved by Revenue — Not Just Credit
We approve based on revenue performance, time in business, and bank deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue
- U.S.-based business with a business bank account
- Valid government ID, business documentation, and license (where required)
What We Review
- Last 4 months of business bank statements
- Job pipeline, AR aging, and pending pay applications
- Time in business and ownership structure
- Trade mix, bonding capacity, and project type
Common Use Cases
What Contractors Use Coast Funding For
From bridging a slow draw to financing a new excavator, our construction clients deploy capital in four recurring patterns.
Heavy Equipment & Trucks
Front Payroll & Materials
Bridge Progress Payments
New Crew & Expansion
Frequently Asked Questions
Construction Business Funding FAQ
The 10 questions contractors ask us most.
What are typical rates for heavy equipment financing?
Heavy equipment financing rates typically range from 6% to 18% APR depending on credit, time in business, and the age and type of equipment. New machinery generally qualifies for the lowest rates with terms up to 60–84 months.
How can I pay subcontractors before my client pays me?
Coast Funding offers working capital and receivables financing built for the lag between subcontractor payments and client draws. We can front payroll, materials, and sub invoices so your jobs stay on schedule without burning your line of credit.
Can Coast Funding bridge AIA progress draws?
Yes. Construction receivables financing is designed for AIA G702/G703 progress draw cycles. We advance against pending pay applications and retainage so you can keep crews moving while the client processes the draw.
Do you finance work trucks and fleet vehicles?
Yes. Fleet financing covers pickups, service trucks, dump trucks, flatbeds, and trailers. We finance both new and used vehicles, with single-unit and fleet-level structures available.
Can I get capital to support a surety bond?
Yes. Bonding and insurance backstop capital can strengthen your balance sheet to support larger surety lines, insurance premium financing, or license bond requirements without locking up working cash.
Can I get a contractor loan with bad credit?
Yes. Coast Funding works with contractors across the credit spectrum. Underwriters weigh recent revenue, bank deposits, and time in business — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
How much construction funding can I qualify for?
Most contractors qualify between $10,000 and $500,000 based on monthly gross revenue. Established firms with strong financials can qualify for up to $5 million via equipment financing or term loans.
Does Coast Funding work with both residential and commercial contractors?
Yes. We fund residential remodelers, commercial GCs, civil and site work, mechanical, electrical, plumbing, roofing, concrete, and specialty trades. Commercial GCs lean on receivables financing; residential leans on working capital and equipment financing.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
About This Page
Editorial Standards
Industries We Serve
Other Industries We Fund
Coast Funding serves small businesses across these industries and many more.
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