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Line of Credit · 2026

Business Line of Credit for Construction & Contracting Companies

Revolving capital you draw from between jobs and reuse as you repay — built for the uneven, project-based cash flow of construction.

Short answer: A business line of credit gives a construction company a revolving pool of capital to draw from as needed — you pay only for what you use, then reuse it as you repay. It's ideal for the uneven, project-based cash flow of contracting: cover a gap between draws, buy materials, or make payroll, then pay it back and draw again. Limits typically run $10,000 to $500,000, FICO 580+, with fast approval through Siteline Capital.

When a line of credit beats a loan

How a revolving line of credit compares to other capital for construction companies. All available through Siteline Capital.

FeatureLine of CreditTerm LoanCash Advance
StructureRevolving, reusableLump sum, onceLump sum, once
You pay forOnly what you drawThe full balanceFull factor amount
Best forGaps between jobsOne big purchaseFast one-time cash
ReusableYes — draw againNoNo
Typical limit$10K – $500K$50K – $5M$25K – $500K

Why construction firms use a line

  • Draw only what you need, when you need it
  • Pay interest on the balance you use — not the full limit
  • Reuse it job after job as you repay
  • Smooths uneven, draw-based cash flow
  • FICO 580+ considered; based on revenue
  • Fast approval, funds available on demand

What you need to apply

  • US-based construction or contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What is a business line of credit?
A business line of credit is a revolving pool of capital up to a set limit. You draw what you need, pay interest only on the amount drawn, and can reuse the credit as you repay — similar to a credit card but for your business.
Is a line of credit better than a loan for construction?
For uneven, project-based cash flow, usually yes. A line of credit lets you cover gaps between draws and reuse the capital job after job, whereas a term loan is a one-time lump sum with a fixed balance.
How much can a construction company get?
Limits typically range from $10,000 to $500,000, scaled to your monthly revenue and deposit history. Higher-revenue firms qualify for larger lines.
What credit score do I need?
A line of credit generally considers FICO 580+, though approval weighs monthly revenue and bank-deposit consistency. Contractors turned down by a bank are often approved on deposits.
How fast can I access the funds?
Once your line is approved, draws are typically available on demand — often the same day. Initial approval usually takes 1-2 business days with a soft credit pull.

Open your construction line of credit

Apply in 5 minutes with a soft credit pull. Get a revolving line you can draw on whenever a job needs it.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms and limits are set at application. A business line of credit is subject to approval. Product and company names referenced are the property of their respective owners.