Business Funding for Construction Companies
Construction businesses have unique cash flow challenges — materials cost money before the job pays. VACA Funding provides fast, flexible capital to keep your projects moving and your crew paid.
Get Pre-Approved in Minutes
$2M
Max Funding
24 hrs
Funding Speed
95%
Approval Rate
500+
Min. Credit Score
Why Construction Businesses Need Alternative Funding
The construction industry has one of the most challenging cash flow cycles of any sector. You purchase materials, pay subcontractors, and cover labor costs weeks or months before the client pays. Traditional banks are notoriously reluctant to lend to construction companies — project-based revenue is hard to underwrite.
Best Funding Products for Construction Companies
Merchant Cash Advance: Get a lump sum today repaid as a percentage of your daily deposits. Ideal when you have consistent revenue but need materials cash upfront.
Equipment Financing: Finance excavators, bulldozers, cranes, forklifts, or any construction equipment with up to 100% LTV.
Invoice Factoring: Turn your completed-but-unpaid project invoices into immediate cash.
Business Line of Credit: Keep a revolving credit line for materials, subcontractors, and unexpected project expenses.
Construction Funding Qualifiers
- 3+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Credit score 500+
- US-based business
- No open bankruptcy