Construction financing
Get $5,000 to $10 million to cover payroll, equipment, materials and more, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Construction financing options at a glance.
A contract pays in stages, and each stage needs money for something different. What you’re paying for, and how soon the next draw comes in, decide which option fits.
Small Business Term Loans
- Best for
- Starting a larger contract, adding a second crew or buying a yard
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Materials and subcontractors between one progress payment and the next
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- Excavators, skid steers, lifts and trucks
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Invoice Financing
- Best for
- Pay applications and invoices your general contractor has signed but not paid
- Repayment term
- Per invoice, when your customer pays
- Min. credit score
- 500+
Working Capital
- Best for
- Retainage held until closeout, or a gap between two jobs
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
How construction financing works.
Construction pays in stages. You buy materials, mobilize the crew and carry payroll for weeks before the first pay application clears, and the last few percent sits in retainage until closeout. Financing covers the time between doing the work and being paid for it.
You apply online in minutes. Our team reviews your application and brings you the options that fit your business. We look at your revenue, deposits and time in business, not just your credit score.
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Match the financing to the need. A machine you’ll run for years suits equipment financing, where the machine itself secures it. Materials and subs between draws suit a line of credit, drawn and repaid as payments come in. An invoice your general contractor has signed suits invoice financing, and a contract you’ve won but can’t bill yet suits a term loan or working capital.
What we look at. Your recent deposits, your time in business and your credit. Uneven deposits are normal in construction; a short list of your contracts in hand, and when each one bills, explains them.
What it costs. Prices vary by lender and by business. Compare offers by what you’ll receive, each payment and the total you’ll repay, in dollars, against the margin on the work it pays for.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Construction financing for every situation.
Each stage of a job has different costs.
Before the first draw on a larger contract
A bigger job means crews, materials and a bond before the first draw comes in. A term loan or working capital covers the start-up costs until billing begins.
A machine breaks down during a job
Each day it’s out of service delays the schedule. Equipment financing spreads the cost of a replacement over the years you’ll use it.
Retainage is money you’ve earned but won’t receive until closeout. Working capital covers your costs while it’s held.
What contractors use financing for.
Payroll between draws
Crews paid every week while pay applications go through the general contractor and the bank.
Materials
Lumber, steel and concrete bought when prices are good, without waiting for a draw to clear.
Heavy equipment
Excavators, skid steers, lifts and trucks, so you can do work you would otherwise sub out.
Subcontractor payments
Subcontractors paid on time, so they’re available for your next job.
Bonding and insurance
The bond premiums and insurance a job needs before it brings in its first payment.
Starting a larger job
Site setup, permits, rentals and the first weeks of labor on a contract that bills monthly.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A contractor with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
How do you look at a construction company’s cash flow?
Through your business bank statements. A large draw every few weeks reads as a normal pattern, and a short list of your contracts in hand, with when each one bills, explains the timing.
Work slows down every winter. Does that count against us?
Seasonal deposits are normal in construction, and we read the slow months alongside the busy ones. Tell us when your season runs.
Can I finance used equipment?
Yes. Equipment financing covers used machines as well as new, up to 90% of the machine’s value, with the machine itself as the collateral. You’ll need a quote or a bill of sale from the seller.
How much can a construction business get?
From $5,000 to $10 million. The amount rests on your monthly revenue, your time in business and your credit, and on what the money is for: equipment financing covers up to 90% of a machine’s value, and invoice financing up to 90% of what you’ve billed.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.