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Business construction loans - up to $400,000 in financing

Build a better future with commercial construction loans in your account in as little as 24 hours.

construction loan for small business

Tap into business construction loans when you need

Funding in as fast as 24 hours—it’s really that simple

Skip the tedium of applying for traditional bank loans. Instead, you could:

  • Prequalify in just 10 minutes
  • Get approved for financing in as few as 4 hours
  • Have funds in your account, ready to go, as early as the next day

Commercial construction loans that are just the right fit

Cover upfront costs and effectively manage cash flow with a range of financing options, from equipment loans to a business line of credit.

Get started

The 4 Best Financing Options for Construction Business

Long-term business loans

Build on your proven track record of success

With a long-term business construction loan by your side, tap into longer repayment periods and lower interest rates to build on established business success.

  • Fantastic financing terms catered to small business owners.
  • Easy online application process and approvals in as little as 4 hours.
  • Funds in your bank account in as little as 24 hours.

The next step starts here

Expand your construction business with new staff or add to business real estate with these small business construction loans

  • Spend funds the way you think is best.
  • Enjoy interest rates lower than credit cards.
  • Work with a U.S.-based customer support team dedicated to getting you the answers you need.

Equipment financing

Embrace new business opportunities

Embrace new opportunities as soon as they arise with equipment financing that helps you get the equipment you need now.

  • Your new equipment becomes security for your financing.
  • Lower interest rates and longer repayment periods—meant to support the way you do business.
  • Enjoy Section 179 tax deductions.

Repair, replace, or purchase new equipment without re-evaluating your financials

You won’t have to miss business opportunities when you choose a small-business-friendly form of commercial construction financing.

  • Don’t worry about saving up for years to buy new equipment.
  • Tap into more financing than you might otherwise qualify for.
  • Get all of your questions answered by our U.S.-based team of finance experts.

Working capital loans

Stop worrying about balancing your cash flow with a construction loan for small business

Easily manage day-to-day financial responsibilities, from inventory management to paying staff, with flexible loans.

  • Borrow exactly the amount you need.
  • Keep finances healthy with lower repayment rates and favorable terms.
  • Grow into new opportunities thanks to competitive factor rates on your business construction loan.

It all starts with an easy application process

Skip the hassle of dealing with tons of paperwork and not knowing what the answer will be.

  • Easy-to-use online application process
  • You likely already have all the information you need.
  • Easily compare your loan and financing options.

Business line of credit

Your flexible option for business capital

Work with stress-free financing—keep finances flexible and seize new business opportunities.

  • Get stress-free financing whenever you need with a revolving line of credit.
  • Work with interest rates lower than most credit cards.
  • Only pay interest on the amount you actually use.

Different terms to suit your business

Choose the most suitable term limits for your line of credit and keep business moving.

  • Short-term limits are available if you’re looking for lower limits and lower revenue requirements (with higher interest rates).
  • Medium-term limits have lower interest rates and higher borrowing limits.
  • A one-time, easy application

Keep business moving with construction company loans

Over $2 billion in funding

We’ve helped over 30,000 businesses get the financing they need, and take pride in our 4.8 out of 5 rating on Trustpilot.

We’re here to help construction businesses of all sizes

If you need a working capital loan to stay on top of day-to-day expenses or replace equipment with financing, we’re here to help.

Business construction loans

How to get commercial construction loans with Credibly

Step 1
Prequalify online

Click “Get Started,” fill out your form in no time, and prequalify for your commercial construction loan.

Step 2
Approval in as fast as 4 hours

Get approved for your loan or financing in as few as 4 hours.

Step 3
Receive same-day funding

Get funds in your account in as soon as 24 hours, and start spending to support your business the way you need to.

Business owners trust us with their business financing

What customers say about our small business loans

Choosing Credibly for Your Construction Financing Needs

Simple, fast loans & financing
Get the funds you need in as little as 24 hours, with none of the stress of working with a traditional lender.
Right-fit financing for your business
Tap into tailored financing that’s the right fit for your business. Grow, don’t owe.
Dedicated customer service
Get questions answered and any help you need with a U.S.-based support team of financial experts.
The go-to partner for small businesses
Get help making the right financial decisions for your business from a team who wants your business to succeed.

Pros and cons of business construction loans & financing

Flexible and fast financing is just an application away. But is it the right choice for your business?

Pros
  • Get the financing you need to take on the next big project.
  • Learn more about your available financing options in minutes.
  • Build business credit when you start repayment.
Cons
  • If you’re not ready to take on financing, you’ll likely impact your cash flow.
  • Missing payments can hurt your credit score.

More commercial construction loans & financing options

Invoice factoring

Get paid for invoices that are still due.

Merchant cash advance

Deal with cash flow issues with a financing option that lets you remit what you can afford.

All financing options

Learn more about all of our financing options for construction.

FAQs for commercial construction loans

What is a construction business loan?

A construction business loan is a financial solution for construction business owners.

You can use the capital for almost any business need, from purchasing equipment to hiring staff.

How hard is it to qualify for a construction business loan?

Qualifying for business financing for a construction business will depend on your business’ financial strength. Lenders will typically consider information like your recent cash flow, age of your business, and credit score.

What are the requirements for construction business loans?

While requirements will vary for each lender, the general requirements for a business loan with Credibly are:

  • Six months or more time in business
  • Credit score of over 500
  • Average monthly revenue of $15,000+ ($180,000+ in annual revenue)
  • Revenue deposited in a business bank account

How do commercial construction loans work?

When you get a construction loan, you’ll receive a lump sum of capital. You can use this financing for a wide range of use cases for your business, whether you need to repair equipment or run marketing campaigns to draw in more customers.

Where can I get a commercial construction loan?

There are many sources of financing for construction businesses, including banks and online lenders. Lenders like Credibly tend to be able to provide financing faster and with fewer requirements than banks.

Start your application for financing here. You can be approved in as fast as four hours.

How much do commercial construction loans cost?

The cost of a construction loan will vary depending on the lender, and your business’s financial health. You can find out what you qualify for by starting your application here.

Easy Construction Business Loans Start Here

Get the financing you need now so you can continue to grow.

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* Some products are made available through Credibly’s network of external funding partners.

** $15K+ avg. deposits for a three-month average and the most recent month.