Industry funding
Construction business funding
Funding for contractors to cover materials, payroll and equipment while waiting on draws and retainage.
Written and reviewed by the BFG Funds Editorial Team · Updated October 15, 2026
Why construction businesses need flexible funding
Construction businesses often front materials and labor weeks before a draw or progress payment arrives, and retainage can hold back a share of every job until completion. The right funding keeps crews working and lets you bid on larger projects without draining your operating account.
Common challenges
- Paying for materials and labor before progress payments arrive
- Retainage tying up a percentage of each contract
- Seasonal slowdowns in weather-dependent regions
- Large equipment purchases or repairs
Funding options that fit construction
Equipment Financing
Finance machinery, vehicles or tech using the equipment itself as collateral.
$20K – $2M · 2–5 business days
Learn moreBusiness Line of Credit
Draw only what you need, when you need it. Revolving capital that refills as you repay.
$10K – $500K · As fast as 24 hours
Learn moreWorking Capital
Cover payroll, inventory and seasonal gaps with fast, unsecured short-term funding.
$30K – $750K · 24–48 hours
Learn moreInvoice Factoring
Turn unpaid B2B invoices into cash now instead of waiting 30, 60 or 90 days for customers to pay.
Up to 90% of invoice value · A few days to set up, then 24–48 hours per invoice
Learn moreConstruction funding FAQ
Can contractors get funding against signed contracts?
Some providers consider signed contracts and receivables when sizing an offer. Most still look first at your recent bank deposits and time in business.
What is the best option for buying heavy equipment?
Equipment financing is usually the lowest-cost route because the machine secures the financing, and payments can be spread over its useful life.
Tell us about your business
A few details are all we need to start. A funding specialist will look at what your business needs and come back with the options that fit — usually the same business day. There's no obligation.
- Checking your options won't affect your credit
- You talk to one specialist, not a call center
- Many decisions come within 24 to 48 hours