Funding for construction.
Construction companies need reliable capital to bid on larger projects, purchase heavy equipment, and cover materials and labor costs upfront. Impruvu connects contractors and specialty trade businesses with funding from $50,000 to $5 million, with approvals as fast as 24 hours so you never miss a project deadline.
Common challenges
- Equipment purchases and heavy machinery financing
- Project-based working capital for materials and labor
- Seasonal cash flow management
- Bonding support and insurance funding
Recommended products
Final product mix and terms depend on your business profile. Your advisor confirms what fits after the inquiry call.
How we fund construction.
Construction businesses operate on tight timelines with significant upfront costs for materials, labor, and equipment. A single excavator can cost $100,000 to $500,000, and project materials often need to be purchased weeks before the first progress payment arrives. This cash flow gap is one of the biggest obstacles to growth for contractors of all sizes.
Impruvu works with lenders who specialize in construction financing, offering equipment loans with terms up to 7 years, working capital lines of credit from $50,000 to $2 million, and SBA loans for larger expansion projects. Whether you are a general contractor bidding on commercial projects or a specialty trade business adding crews, we match you with funding structures designed for the construction payment cycle.
Many construction businesses also struggle with seasonal revenue swings. Revenue can drop 30-50% during winter months in cold-weather markets. Our revolving lines of credit help bridge these gaps without requiring you to take on expensive short-term debt, keeping your business ready to ramp up when the busy season returns.
Where construction businesses get stuck.
Each of these is solvable with the right product mix. Your advisor will walk you through which apply to your business.
Equipment purchases and heavy machinery financing
Project-based working capital for materials and labor
Seasonal cash flow management
Bonding support and insurance funding
Built for construction.
What you get when your advisor actually understands your industry's cash cycle, capital needs, and lender expectations.
- Equipment financing up to $5M with terms up to 7 years and competitive rates starting at 5.99%
- Working capital approvals in 24-48 hours to meet project bid deadlines and material purchase timelines
- Lenders experienced with construction pay-app cycles, progress billing, and retainage holdbacks
- No hard credit pull to check rates, and funding available for contractors with as few as 6 months in business
Recommended funding for construction.
Often the right answer is a combination — short-term flexibility paired with long-term capital.
Questions from construction owners.
Quick answers about funding for businesses like yours. For your specifics, your advisor will cover them on the discovery call.
Talk to an advisorReady to grow your construction business?
Five-minute inquiry. No hard credit pull. Your advisor takes it from there.