Construction Business Loan
Alternatives
Looking for construction business funding? Traditional construction loans are one option. SunSurf Capital offers an alternative form of business funding based on the purchase of future business receivables -- designed to work with the project-based cash flows common in construction.
How Traditional Business Loans Compare
to Sales-Based Financing
| Feature | Traditional Business Loan | SunSurf Capital (Sales-Based Financing) |
|---|---|---|
| Payment alignment | Fixed monthly payments regardless of project billing cycles | Remittances adjust based on actual revenue received |
| Project-based flexibility | Typically tied to specific project milestones or draws | [[PENDING COUNSEL: Confirm SunSurf product structure for construction]] |
| Bonding impact | Loan appears as debt, affecting bonding capacity | [[PENDING COUNSEL: Confirm how receivables purchase affects bonding]] |
| Speed to capital | Construction loans: 30-90 days typical | [[PENDING COUNSEL: Confirm SunSurf timeline for construction companies]] |
| Product structure | Loan (debt obligation with interest) | Purchase of future receivables (factor rate, not interest) |
Important distinction: SunSurf Capital does not offer loans. SunSurf provides business funding structured as the purchase of future business receivables. Payments (remittances) adjust based on your actual sales volume, unlike fixed loan payments. This is a fundamentally different product structure from a traditional business loan.
Frequently Asked Questions
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Business Funding Options?
See if sales-based financing through SunSurf Capital is the right fit for your business. No obligation. Soft credit pull only — no hard credit inquiry.