Industry Guides

Construction Business Funding: Financing Options for Contractors

Published: November 29, 2025 | Merchant Fund Express

✓ $5K - $500K Funding ✓ 24-Hour Approval ✓ No Collateral Required ✓ All Credit Types Welcome

Construction businesses face unique funding challenges. Here's how contractors can get the capital they need.

The Construction Cash Flow Challenge

Contractors often wait 30-90 days for payment after completing work. This creates cash flow gaps that funding can bridge.

Equipment Financing for Construction

Heavy equipment is expensive. Equipment financing lets you acquire machinery with the equipment itself as collateral.

Working Capital for Payroll

Keeping crews paid between project payments is critical. Working capital funding ensures you meet payroll obligations.

Bonding and Insurance Considerations

Larger contracts require bonds. Having capital reserves helps you qualify for bigger projects.

Seasonal Considerations

Weather affects construction schedules. Plan for slower months with lines of credit or reserve funding.

Need Business Funding?

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Or call: (305) 384-8391

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