Construction business loans 2026 — funding for contractors and builders.
Rankings based on speed of funding, approval rates, transparency of terms, customer experience, and total cost. Updated annually.
Cat, Bobcat, Mack — heavy equipment up to $2M, 60 months.
Requirements: 6+ months construction, 550+ FICO
Cash to bridge AIA pay app cycles and long project payroll.
Requirements: 6+ months, 500+ FICO, $15K+ monthly
Accelerate retainage and progress billings. Industry-specific.
Requirements: AIA documentation required
Capital for materials and mobilization before first pay app.
Requirements: 12+ months, contract in hand
Specialty financing for surety bond requirements.
Requirements: Bonding capacity required
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