Need a Small Business Loan
For Your Construction Company?
Whether you're taking on a bigger project, investing in new equipment, or bridging cash flow between jobs, our construction business loans give you the capital you need—without the bank headaches.
Getting a Business Loan For Your Construction Company has Never been Easier
Apply in Minutes
Tight deadlines and job site demands leave little time for paperwork. With Finance Parrot, you can apply online in just a few clicks—whenever it works for you.
Get a Decision Right Away
No more delays. Once you apply, we instantly match your construction business with the best funding options based on your needs.
Funding as Fast as Same Day
Need capital for materials, payroll, or new equipment? Our lending partners can fund your account in as little as 24 hours.
See Your Business Loan Options
Low Rates. Flexible Terms. Easy Process
Business Line of Credit
Flexibility to borrow from a pool of funds. You only pay interest on money that you use.
Equipment Financing
Business loan to pay for new or used equipment like vehicles, machinery or technology.
SBA Loans
Business loans partially guaranteed by the U.S. Small Business Administration.
Merchant Cash Advance
Borrow money that repay via a percentage of your daily credit card sales.
Invoice Factoring
Get cash upfront in exchange for your unpaid invoices. Borrow up to 85% of invoice value.
Explore More Options
Discover all the business loan options that are available to you.
Recently Funded Construction Companies
We'll Help You Get the Right Loan
Get approved today and have money in your account within as little as 24 hours. No obligation — prequalify without affecting your credit!
Common Questions. Straight Answers.
What types of loans are available for construction businesses?
Construction companies can access a variety of financing options, including working capital loans, equipment financing, business lines of credit, invoice factoring, SBA 7(a) loans, and short-term loans. Each serves a different purpose—from covering payroll during slow seasons to purchasing heavy machinery or managing upfront material costs.
Can I get a construction business loan with bad credit?
Yes, it’s possible. While traditional banks may require strong credit, many alternative lenders focus on your cash flow, project pipeline, and overall business performance. At Finance Parrot, we work with lenders who consider the full picture—not just your credit score.
How fast can I get funded?
Very fast. Once you apply, our system matches you with funding options instantly.
Many of our partners can deliver funds to your account in as little as 24 to 48 hours—perfect for when you need to order materials or secure a contract quickly.
What documents do I need to apply?
You’ll typically need:
A valid ID
Business bank statements (3–6 months)
Proof of business ownership
Basic financial statements (P&L, balance sheet, etc.)
Some lenders may request additional documents depending on the loan type and amount.
How can I use the funds from a construction loan?
Construction business loans are flexible. You can use the funds for:
Equipment purchases or rentals
Hiring skilled labor
Purchasing materials or supplies
Bridging cash flow between jobs
Expanding to new locations or projects
Do I need collateral?
Not always. Some loan types—like equipment financing—use the equipment itself as collateral. Others, like unsecured working capital loans or merchant cash advances, don’t require any collateral at all. We’ll help you find the best fit.
How do I apply through Finance Parrot?
It’s easy. Just fill out our quick online application. We’ll instantly match you with the best funding options tailored to your construction business. No multiple calls. No red tape.