Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!
Construction runs on cash flow. Between material costs, equipment rentals, labor, and the long wait for project payments, construction companies need reliable working capital. Lending Valley provides fast business loans designed for general contractors, subcontractors, and construction businesses.
Construction projects require upfront investment long before payment arrives. Progress billing cycles, retainage holds, and slow-paying clients create cash flow gaps that can stall projects and hurt your reputation. Lending Valley gets you funded fast so you can keep building.
Merchant Cash Advance (MCA) — Get $5,000 to $500,000 in working capital for materials, payroll, and operating expenses. No collateral required, fund as fast as the same day.
Invoice Factoring — Convert unpaid progress billings and completed project invoices into immediate cash. Get up to 90% of invoice value within hours instead of waiting 30-90 days.
Equipment Financing — Finance excavators, loaders, cranes, concrete mixers, and other heavy equipment. Keep your fleet current without draining cash reserves.
Business Line of Credit — Revolving credit up to $250,000 for ongoing project expenses. Draw funds as needed for each project phase.
Short-Term Business Loans — Fixed funding for specific needs like bid bonds, material purchases, or seasonal workforce ramp-ups.
Materials and supplies — Lumber, concrete, steel, electrical supplies, and plumbing materials for active projects.
Heavy equipment — Excavators, bulldozers, cranes, skid steers, and specialty construction equipment.
Payroll — Cover weekly labor costs for crews while waiting on project payments.
Bonding and insurance — Fund bid bonds, performance bonds, and commercial insurance premiums.
New project starts — Cover mobilization costs and initial material purchases for new contracts.
Seasonal gaps — Bridge revenue gaps during winter months or weather delays.
Fleet vehicles — Work trucks, trailers, and service vehicles for your crew.
✔ 6+ months in business
✔ $10,000+ monthly revenue
✔ Active business bank account
✔ 3 months of bank statements
✔ No minimum credit score for MCA
1. Apply in 5 minutes — Tell us about your construction business and funding needs.
2. Submit bank statements — Just 3 months of recent statements. No tax returns needed.
3. Get approved fast — Many contractors get approved within hours.
4. Receive funding — Funds deposited in your account as fast as the same day.
Can subcontractors get business loans?
Yes. Both general contractors and subcontractors can qualify for Lending Valley funding with 6+ months in business and $10,000+ in monthly revenue.
Can I use a business loan for construction equipment?
Absolutely. Our equipment financing and MCA products can be used to purchase or lease heavy equipment, vehicles, and tools.
How fast can a construction company get funded?
Most construction companies receive funds the same day they apply. Submit your application and bank statements before 10 AM for fastest processing.
Do I need to put up collateral?
No. Our MCA and short-term loan products are unsecured. No equipment liens, property liens, or personal collateral required.
Apply for Construction Business Funding
