Industry Lending
Construction & Contracting Business Loans
Bonding, equipment, and working capital for contractors and trade specialists.
$185K
Avg equipment ticket
0.45x
Backlog-to-revenue lending multiple
9 days (equipment)
Median close time
How we underwrite
Construction is uniquely capital-intensive on the front end and back-loaded on collections: payroll and materials hit weekly, payment hits after milestone or completion. Inflection Financing underwrites construction credits against work-in-progress schedules and contracted backlog, not just trailing P&L — which is the only fair way to evaluate a contractor's true capacity.
Typical loan sizes
$100,000 to $5,000,000
Common uses
- →Heavy equipment financing and fleet expansion
- →Working capital against contracted backlog
- →Mobilization capital for new project starts
- →Bonding line collateral
- →Acquisition of complementary trade firms
Regulatory & underwriting notes
Construction SBA loans require state contractor licensure verification and review of bonding capacity. Federal contract exposure (Davis-Bacon, Buy American) is reviewed for compliance impact on cash flow.
Recommended products for construction firms
Equipment
Equipment Financing
Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.
Working Capital
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Bridge
Bridge Loans
Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.
Term
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Other industries
Financing for construction firms.
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.