Construction Finance for Builders
Keep crews paid, purchase materials, and take on your next contract. Explore financing based on your business cash flow, equipment needs, or investment property project.
Amounts, costs, and funding timelines depend on the program and your qualifications.
One Industry.
Different Funding Needs.
Payroll, materials, and project mobilization
Machinery, vehicles, and essential tools
Discuss project-specific financing
Two Needs. Different Financing Paths.
Construction Working Capital
Cover operating expenses while customer payments catch up with project costs. Options may include term loans, lines of credit, and revenue-based funding.
Best starting point: Your revenue, cash flow, business history, and existing obligations.
Explore Business Funding →Ground-Up Construction
Explore property-secured financing for eligible development projects. Review centers on the property, construction budget, builder experience, and repayment plan.
Best starting point: Project details, equity contribution, permits, and an exit strategy.
Explore Construction Project Loans →Put Capital to Work on Your Jobsite.
Payroll & Crews
Manage payroll and subcontractor expenses between project milestones and customer payments.
Materials & Supplies
Purchase materials ahead of scheduled work and manage supplier payment deadlines.
Equipment & Growth
Explore financing for essential machinery or business expansion without using all available operating cash.
Permitted uses vary by program. Match repayment obligations to realistic project collections.
Compare Your Funding Options.
Business Line of Credit
For recurring cash flow gaps and changing operating needs. Draw and repayment rules depend on the lender.
Explore Lines of Credit →Business Term Loans
For a defined expense with an agreed repayment schedule. Compare total cost and payment frequency.
Explore Business Loans →Equipment Financing
For eligible construction machinery and equipment. The asset, quote, and business profile help determine available terms.
Explore Equipment Financing →Revenue-Based Funding
For eligible businesses with verifiable revenue. Some programs purchase future receivables rather than provide a loan; review the agreement structure and collection terms.
Request a Program Review →What to Prepare Before You Apply.
A clear funding request helps us identify the appropriate review path.
Business Funding
- Requested amount and intended use of funds
- Time in business and average monthly revenue
- Recent business bank statements
- Current financing balances and payment obligations
- Equipment quote, when applicable
Credit, revenue, and operating history requirements vary. Additional financial documents may be requested.
Property Development
- Property location, ownership, and project scope
- Construction budget and completion timeline
- Plans, permits, and their current status
- Builder experience and available equity
- Sale or refinance strategy to repay the loan
Collateral, valuation, inspections, and draw requirements depend on the project and lender.
Protect Your Project Margins
The right offer must fit how your business gets paid. Review these details before accepting financing.
For Business Funding
- Total repayment and fees
- Daily, weekly, or monthly payment schedule
- Personal guarantee and any business lien
- Prepayment terms and existing debt obligations
For Property Projects
- Required equity and cash needed at closing
- Draw schedule, inspections, and related fees
- Interest, maturity, and extension conditions
- Contingency budget and repayment or refinance plan
Construction Financing Questions
Is Working Capital the Same as a Construction Loan?
No. Working capital supports business operations, such as payroll and supplies. Property construction financing evaluates a specific real estate project and may release funds through draws. Use the application route that matches your purpose.
Can I Apply While Waiting for Customer Payments?
You can request a review. Your revenue, bank activity, existing obligations, and ability to meet payments will affect available options. Customer invoices alone do not guarantee approval.
Can Financing Cover Construction Equipment?
Equipment financing may be available for eligible machinery and vehicles. Provide the equipment quote and business information to begin the review.
How Fast Can I Receive Funding?
Timing depends on the program, documents, and underwriting. Property financing may also require valuation, title review, inspections, and closing. Ask for an estimated timeline for your specific application.
Do You Finance New Businesses or Every Building Project?
This page focuses on established construction businesses. Property projects are reviewed separately, and program availability depends on the project and borrower. Contact GoKapital to discuss the appropriate route before applying.
Prepare for Your Next Project
Tell us what you need to fund. We’ll help you identify the appropriate application route.
Monday–Friday, 9 AM–6 PM ET