Industry expertise
Construction Business Loans That Keep Projects Moving
Get working capital to cover payroll, materials, and equipment costs while you wait on retainage and progress payments from general contractors and owners.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how construction companies actually run
Construction companies run on a payment cycle that rarely matches their expenses. You cover payroll, materials, and subcontractors on a weekly basis, but general contractors and property owners often pay on net-30 or net-60 terms, and hold back 5 to 10 percent in retainage until a project closes out. That gap between work completed and cash in hand can stretch for months, even on profitable jobs. Add in slow winter months in northern climates and the cost of financing an excavator, skid steer, or dump truck, and cash flow becomes the real constraint on growth, not demand for your work.
TrustFi works with construction companies of every size, from residential remodelers to commercial general contractors bidding six-figure jobs. We look at your business's overall picture, not just a credit score, so a slow month during bad weather or a large retainage balance doesn't automatically disqualify you. Whether you need to post a bid bond, buy a used excavator, or make payroll while an invoice sits unpaid, applying takes under 10 minutes and does not impact your credit score. Approved businesses can see funding in as little as 24 hours.
What we hear
The cash-flow pressures you know too well
Retainage holds back your cash
General contractors typically withhold 5 to 10 percent of each payment until the entire project is signed off, sometimes months after your crew finished the work, leaving you fronting labor and material costs with money you've already earned but can't yet touch.
Slow season doesn't slow overhead
Rain, snow, and frozen ground can shut down job sites for weeks at a time, especially in northern climates, but equipment payments, insurance premiums, and core crew payroll keep coming whether or not anyone is on site swinging a hammer.
Heavy equipment costs add up fast
Excavators, skid steers, cranes, and dump trucks each cost tens of thousands of dollars, and a breakdown on an active job site can stall a project entirely until you're able to repair or replace the machine you need to keep working.
Bonding requirements tie up capital
Bidding on larger public or commercial jobs often requires bid bonds and performance bonds, and sureties want to see working capital and a healthy balance sheet before they'll back you, which can shut smaller contractors out of bigger contracts.
Where the money goes
What construction companies use funding for
- Buy or lease excavators, skid steers, and dump trucks
- Cover payroll and subcontractors between progress payments
- Purchase lumber, steel, and concrete before prices climb
- Post bid bonds and performance bonds for new contracts
- Bridge cash flow during retainage holdback periods
- Rent scaffolding, generators, or specialty equipment for a job
Our recommendation
Funding options that fit construction companies
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Invoice Factoring
Turn unpaid invoices and retainage balances from completed work into cash now instead of waiting 30, 60, or more days for a general contractor to release payment.
How it works - Option 2
Collateralized Business Loans
Finance an excavator, skid steer, or dump truck using the equipment itself as collateral, which often means a lower rate than unsecured funding for a large purchase.
How it works - Option 3
Business Line of Credit
Draw funds as jobs ramp up and pay interest only on what you use, so you can cover materials and payroll between draws without carrying a large fixed loan.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
How can a construction company get funding despite slow-paying general contractors?
TrustFi looks at your business's overall cash flow and history, not just how quickly your GC pays. Invoice factoring turns invoices and retainage balances into cash now, while a business line of credit lets you draw funds as needed between payments. Applying takes under 10 minutes and does not impact your credit score.
Can I get financing to buy or repair heavy equipment?
Yes. Collateralized business loans use the equipment itself as security, which often means better terms than unsecured funding, and term loans work well for a one-time purchase like a used excavator or dump truck. Both can move quickly, with funding in as little as 24 hours once you're approved.
Does TrustFi finance contractors who need to post a bid bond?
TrustFi funding can strengthen the working capital position sureties look for before backing a bid or performance bond. TrustFi doesn't issue bonds directly, but many contractors use a business loan or line of credit to build up cash reserves ahead of a bonding review or a larger public bid.
How fast can a construction business get approved?
TrustFi offers a 2-hour response guarantee after you apply, and approved businesses can see funding in as little as 24 hours. The application takes under 10 minutes and won't affect your credit score, so you can move on materials, payroll, or equipment without waiting weeks for a decision.
What can construction business loans be used for?
Most contractors use funding for payroll and subcontractor payments between progress billings, purchasing or repairing equipment like excavators and skid steers, buying materials ahead of price increases, covering overhead during weather-related slowdowns, or building the working capital sureties want before backing a bid bond.
Will a bad winter season hurt my chances of approval?
Not necessarily. TrustFi reviews your business as a whole, including seasonal patterns common to construction, rather than penalizing a single slow month caused by weather. A temporary dip tied to winter conditions in a northern climate is a normal part of this industry, not a red flag on its own.
Funding for construction companies, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees