Construction financing that respects the draw schedule
Equipment, working capital between draws, and lines sized to your backlog.
How construction businesses use financing
Contractors get paid on milestones and pay for labor and materials up front. That gap, plus retainage held until close-out, is why profitable builders run short on cash mid-project.
The usual fits are lines of credit against signed contracts, equipment financing on terms that follow the equipment's life, and invoice factoring where general contractors pay slowly. SBA is the route for buying a yard or shop.
Common financing needs
Bridge to the next draw
A line of credit or working capital covers payroll and materials while a draw request is pending.
Equipment for the bid you just won
Excavators, lifts, trucks and trailers financed with the asset as collateral.
Bonding and growth
Term loans that strengthen the balance sheet so bonding capacity grows with the backlog.
Capital Ally
Financing options for construction businesses.
Check eligibility in a few minutes, then compare the offers you receive by payment, cost and total payback. Checking does not affect your credit score.