Construction Funding
Fast capital for contractors, builders, and landscapers — without waiting for client payments.
Funding Amount
$10K – $10M
Funding Speed
Same Day
Credit Check
No Impact
Industries Served
200+
We understand construction businesses
Construction and contracting businesses face unique cash flow challenges: projects start before clients pay, equipment breaks at the worst time, and big bids require capital you don't always have on hand. New Tide Funding specializes in working with contractors, builders, landscapers, and specialty trades. We understand your business cycles and have programs built around how you actually operate.
Common challenges we solve
- ✗Waiting 30–90 days for client payments while payroll is due weekly
- ✗Unexpected equipment breakdowns that halt projects mid-job
- ✗Need capital to bid on a large contract but cash is tied up
- ✗Slow winter seasons that strain working capital
- ✗Subcontractors and suppliers requiring upfront payment
Funding options for construction businesses
We match you with the products that fit your specific situation.
Revenue-Based Financing
Fund payroll, materials, and subs between client payments.
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⚙️Equipment Financing
Finance excavators, lifts, trucks, and heavy equipment.
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💳Line of Credit
Access capital whenever a new project demands it.
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🇺🇸SBA Loans
Government-backed financing with long terms for expansion, real estate, or equipment.
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🏠Business Purpose HELOC
Tap your home equity for business capital — a lower-cost way to fund growth.
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Qualification Requirements
Simple criteria — most construction businesses qualify.
📅
Time in Business
6+ Months
💰
Monthly Revenue
$15K+
🔒
Credit Check
No Impact
🏦
Bank Statements
4 Months
No credit impact · Takes 2 minutes
Construction Funding FAQs
Can I get funding between contract payments?▾
Yes — this is one of the most common reasons contractors work with us. Revenue-based financing and lines of credit are ideal for bridging the gap between when a project starts and when a client pays.
Can you fund large equipment purchases?▾
Absolutely. Equipment financing lets you acquire excavators, lifts, cranes, trucks, and more using the equipment itself as collateral — so you don't need to drain working capital.
I have a big bid coming up — can you help me get ready?▾
Yes. Many contractors use a cash advance to cover the startup costs on a large contract — materials, labor, permits — before the client's first payment arrives.
Does my credit score matter?▾
We look at your overall business health, not just your score. Many contractors with imperfect credit still qualify based on consistent revenue deposits.