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Construction Financing

Build Bigger with Construction Financing.

From progress billing gaps to heavy equipment purchases, construction businesses face unique capital demands. Our in-house team understands your project timelines and delivers funding that keeps your crews working.

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Financing Challenges

Why Construction Businesses
Need Flexible Capital

Understanding the financial pressures unique to construction helps us fund you directly with the right products.

Progress Billing Gaps

Construction projects pay on completion milestones, but labor, materials, and subcontractors demand payment upfront. The gap between outlay and receivable can strangle otherwise profitable projects.

Equipment Capital Demands

Excavators, cranes, concrete pumps, and specialized machinery cost hundreds of thousands. Buying outright ties up capital; leasing is expensive long-term. The right financing structure makes the difference.

Seasonal Revenue Cycles

Weather and permitting create natural slow seasons. Overhead does not stop when projects pause. Working capital bridges the gap between busy and slow periods without forcing layoffs or project delays.

Bonding and Insurance Costs

Performance bonds, liability insurance, and workers compensation premiums must be paid before a single shovel breaks ground. These upfront costs can consume cash reserves quickly on larger bids.

Subcontractor Management

Reliable subcontractors expect prompt payment. Delays in paying subs damage relationships and reputation, making it harder to win bids and assemble quality crews for future projects.

Material Price Volatility

Lumber, steel, and concrete prices fluctuate with markets and tariffs. Locking in materials early requires capital on hand, but waiting risks margin erosion on fixed-price contracts.

Recommended Solutions

Funding Products for
Construction Businesses

Each product is tailored to address the specific capital needs of construction operations. Click to learn more about terms, eligibility, and the application process.

Working Capital Loans
Bridge progress billing gaps and cover payroll between project milestones.
Why it fits: Ideal for managing the 30-90 day gap between project expenses and client payments.
Business Lines of Credit
Revolving access to capital for materials, labor, and unexpected project costs.
Why it fits: Draw funds as needed for each project phase without reapplying for new loans.
Real Estate Loans
Leverage equipment, real estate, or receivables for larger funding amounts.
Why it fits: Use your fleet and property as collateral to access $100K to $50M+ for major projects.
Real-World Impact

How We Help Construction
Businesses Grow

Illustrative Example — General Contractor

The Challenge

A mid-size general contractor in the Southeast was awarded a $4.2 million commercial build-out but needed $680,000 upfront for materials, subcontractor deposits, and bonding. Their bank offered a 6-week approval timeline, which would have caused them to miss the project start date.

The Solution

Sunsurf Capital connected them with an asset-based lender who approved $750,000 against their existing equipment fleet and accounts receivable. Funding arrived in 8 business days.

The Result

The contractor started on schedule, completed the project ahead of deadline, and used the surplus capital to bid on two additional projects. Annual revenue increased 35% over the following 12 months.

This example is representative of typical client outcomes and is presented for illustrative purposes.

FAQ

Common Questions About
Construction Financing

General contractors, specialty subcontractors, civil engineering firms, residential builders, commercial developers, and construction management companies all qualify. Our in-house team work with businesses at every scale, from small residential crews to large commercial operations.
Yes. Equipment financing and real estate loans are specifically designed for this purpose. You can finance excavators, cranes, concrete pumps, trucks, and specialized machinery with the equipment itself serving as collateral, often with no additional security required.
Lenders understand the construction billing cycle. Many will consider your contracted backlog and accounts receivable as part of your financial profile, not just current cash on hand. A strong pipeline of signed contracts can significantly improve your approval and terms.
Not necessarily. Many construction-specific lending products use business assets, equipment, or accounts receivable as collateral. Some working capital options are entirely unsecured. Your advisor will find options that protect your personal assets wherever possible.
Standard requirements include 3-6 months of bank statements, a current project list or backlog report, proof of contractor licensing and insurance, and basic business financials. Some lending programs require additional documentation including tax returns and a business plan.
Absolutely. Our in-house team understands seasonal revenue patterns in construction. They evaluate your annual performance and peak-season revenue rather than penalizing slow winter months. We offer flexible repayment schedules aligned with your busy season.
Get Started

Ready to Fund Your
Construction Business?

Apply in 5 minutes and get a funding decision within 48 hours. No upfront fees. No obligation. Just the capital your construction business needs to thrive.

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