Construction Business Funding

Capital That Keeps Your Projects Moving $25K to $5M

Siteline Capital delivers fast, reliable funding built for the demands of construction. We understand your cash cycle — equipment costs, payroll gaps, and contract timing — so we make decisions in 4 hours, not 4 weeks.

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4 Hours

Average credit decision time

$5M

Maximum funding per transaction

500+

Minimum FICO score required

24 Hrs

Typical funding after approval

Funding Solutions

Built for the Way Construction Businesses Operate

Every product in our portfolio was designed with the specific cash-flow realities of construction in mind — from seasonal payroll crunches to large equipment acquisitions.

Working Capital

Bridge the gap between project completion and payment receipt. Cover payroll, materials, and subcontractors while waiting on draws and invoices to clear.

$25,000 – $2,000,000

Apply for Working Capital

Equipment Financing

Acquire or upgrade your fleet — excavators, cranes, compactors, lifts — without depleting operating reserves. Finance new and used equipment with flexible terms.

$50,000 – $5,000,000

Apply for Equipment Financing

Contract Advance

Have a signed contract but need capital to mobilize? We advance against your awarded contracts so you can start work immediately — before the first draw arrives.

$50,000 – $3,000,000

Apply for Contract Advance

Business Line of Credit

A revolving credit facility that's there when you need it. Draw and repay as projects demand — ideal for managing the unpredictable timing of construction cash flow.

$25,000 – $1,000,000

Apply for a Line of Credit

Industries We Serve

Funding Across the Entire Construction Ecosystem

From groundbreaking to ribbon-cutting, we fund construction businesses at every phase and specialty — backed by a team that speaks your language.

General Construction

GCs managing multi-phase commercial and residential projects with complex subcontractor networks and fluctuating draw schedules.

Site Work & Grading

Earthmoving contractors, land-clearing operations, and grading specialists who need capital for fuel, equipment, and mobilization costs upfront.

Commercial Build-Out

Tenant improvement contractors and commercial interior teams managing tight schedules with lump-sum milestone payments.

Infrastructure & Civil

Road and bridge contractors, utility installers, and civil engineers working on public-sector projects with 30–90 day payment cycles.

Specialty Trades

Electrical, plumbing, HVAC, structural steel, and other specialty subcontractors who carry materials costs before ever invoicing the GC.

Renovation & Remodel

Residential and commercial renovation firms managing multiple active projects simultaneously with varying completion timelines.

Federal Contracting

Government contractors navigating slow federal payment systems and complex compliance requirements on DOD, GSA, and municipal contracts.

Property Development

Developers and builders who need bridge capital between construction phases, equity calls, and permanent financing closings.

The Siteline Process

From Application to Funded in as Little as 24 Hours

We've eliminated the unnecessary friction of traditional lending. Our process was designed for business owners who don't have time to waste.

Submit Your Application

Complete our secure online application in under 10 minutes. Provide basic business information, 3 months of bank statements, and your funding request. No personal visit required.

Under 10 Minutes

Receive Your Decision

Our construction-specialized underwriting team reviews your file and delivers a clear decision — with a detailed term sheet — within 4 business hours of receiving your complete package.

4-Hour Decision

Funds Hit Your Account

Review and sign your agreement electronically. Once signed, funds are wired directly to your business bank account — typically the same day or by the next business morning.

24-Hour Funding

Qualification Standards

Clear Requirements. No Surprises.

We believe you deserve to know if you'll qualify before you spend time applying. These are our standard minimums — and we encourage you to call us if you're on the fence.

Business operating for at least 6 months
Minimum $15,000 monthly gross revenue
Owner personal credit score of 500 or higher
U.S.-based legal business entity (LLC, Corp, or Sole Prop)
Active business checking account with 3+ months of statements
No open or undischarged bankruptcies
Construction or site-related business activity (verified)

Typical Approval Parameters

Funding Range $25K – $5M

Decision Timeline As Fast as 4 Hours

Funding After Approval 24 Hours

Term Lengths 3 – 36 Months

Minimum FICO Score 500+

Collateral Required Not Always

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Client Results

Contractors Trust Siteline Capital

"We had a $480K commercial build-out contract sitting on our desk but couldn't mobilize without upfront capital. Siteline approved us in under 3 hours and wired the funds the next morning. We hit the project start date without a hitch."

Marcus T., Owner Trident Commercial Builders — Phoenix, AZ $275,000 Contract Advance

"My bank kept asking for two years of tax returns and still took six weeks to say no. Siteline looked at our contracts and bank activity, said yes in four hours, and I had the equipment money within a day. That's how lending should work."

Donna R., President Ridge Line Site Services — Nashville, TN $620,000 Equipment Financing

"We're a specialty electrical sub and invoice collections were killing us. Siteline set us up with a $250K line of credit that we can draw on between project draws. Our cash flow has never been this predictable. Game-changer."

Kevin M., Co-Owner Apex Electrical Contractors — Dallas, TX $250,000 Line of Credit

Siteline vs. Traditional Lending

Why Construction Businesses Choose Siteline

Criteria	Siteline Capital	Traditional Bank	SBA Loan
Credit Decision	4 Hours	2–6 Weeks	30–90 Days
Funding Speed	24 Hours	2–4 Weeks	45–90 Days
Minimum FICO	500+	680+	640+
Min. Time in Business	6 Months	2+ Years	2+ Years
Construction Expertise	Yes — Specialist Team	Rarely	No
Contract-Based Underwriting	Yes	No	No
Dedicated Advisor	Yes — Named Contact	Loan Officer (Rotating)	No
Prepayment Penalty	None	Varies	Varies

Frequently Asked Questions

Common Questions From Construction Operators

Most applicants need: 3 months of business bank statements, a completed application with basic business information, and a government-issued ID. For larger requests ($500K+) or equipment financing, we may also request recent tax returns, a list of current contracts, or financial statements. Our advisors will tell you exactly what's needed for your specific request.

Our initial pre-qualification and review uses a soft credit pull that does not impact your score. A hard inquiry is only conducted once you have reviewed and approved a term sheet and wish to proceed to formal underwriting. We will always inform you before any hard inquiry is made.

The Contract Advance allows us to underwrite based on your awarded, signed contract — not just your historical revenue. If you have a signed project contract with a creditworthy counterparty (GC, developer, municipality, or federal agency), we can advance a portion of the total contract value to help you mobilize and begin work immediately. Repayment is structured to align with the project's payment schedule.

Yes. Our minimum is 500 FICO. If your score falls between 500–600, we look more heavily at your bank account cash flow, contract backlog, and time in business to make our decision. Strong revenue trends and active contracts can offset a lower credit score in our underwriting model.

No. Siteline Capital does not charge prepayment penalties on any of our products. If a project closes early, you receive a payment, or you want to pay off your balance ahead of schedule, you are free to do so without fees. We believe you should be rewarded for strong cash performance — not penalized for it.

Siteline Capital funds construction businesses across all 50 U.S. states. We are a fully remote lender — there are no branch visits, no geographic restrictions, and no location-based preferences. Your application, approval, and funding are handled entirely online and by phone.

Banks and SBA lenders are built for general business lending with rigid qualification frameworks and slow timelines. Siteline Capital was built specifically for construction businesses. We understand contract cycles, draw schedules, and equipment needs. We make decisions in 4 hours based on your real business activity — not just your tax returns — and we fund in 24 hours. When you need capital to hit a project start date, traditional lending simply isn't fast enough.