Construction Business Loan

Same Day Funding Available

Terms Up To 25 Yrs

One Application, Multiple Funding Options

No Hard Credit Check

Business loans for contractors.

Construction companies face unique financial challenges—delayed payments, high equipment costs, and cash-hungry projects. That’s why business loans for contractors are designed to help builders, and general construction companies maintain stability and seize growth opportunities

Compare Loan Types For Construction Businesses

How to Apply for a Construction Business Loan Without the Hassle

Complete the Online Application

Start by filling out AMP Advance’s secure online loan application. It only takes a few minutes and requires basic info about your construction business, including revenue, time in business, and loan amount needed.

Submit Your Financials

Upload your most recent 3–6 months of business bank statements. These help AMP Advance understand your cash flow and match you with the best contractor financing options or working capital solutions.

Get Matched with an Offer

Within hours, you’ll receive a custom business loan offer tailored to your company’s financials—whether you need an equipment loan, short-term funding, or a line of credit.

Accept & Get Funded—Fast

Once approved, you’ll receive funding in as little as 24–48 hours, directly to your business bank account. Use your loan to purchase materials, hire labor, or take on larger construction projects.

When to use business loans for a construction company?

🧱 Pre-pay for Materials – Avoid supply chain delays
🏗️ Bid on Bigger Jobs – Don’t say no to contracts due to lack of upfront cash
🚜 Replace Equipment Fast – Stay productive, avoid downtime
🧾 Cover Payroll – Don’t delay paying your team while waiting on invoices
📈 Scale Operations – Add a new crew or location with confidence

I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!

Stephanie D.

What our clients say about us

See what our clients say

    
 
 
       Posted on Google  
   
   Stephanie Whitworth 
 
 
 
 Trustindex verifies that the original source of the review is Google. AMP helped me secure a business line of credit that was a game-changer for my seasonal tourism business. During the slow months, it gave me the cash flow I needed to cover payroll and prep for peak season—smooth, fast, and exactly what I needed to stay afloat.
  
 
      Posted on Google  
   
   Brian Dale 
 
 
 
 Trustindex verifies that the original source of the review is Google. John at AMP got creative and made it happen. He stacked multiple funding options to get me the capital I needed fast. Smart, responsive, and results-driven. Highly recommend!
  
 
      Posted on Google  
   
   George Lopez 
 
 
 
 Trustindex verifies that the original source of the review is Google. John and his team(AMP Advance) are very professional and knowledgeable. Im a restuarant owner in California,  having access to quick  capital is  crucial to us restaurant owners That's what Amp Advance has been able to do for us. Quick turn around, competive pricing, not to mention their customer service is second to none. I would highly recommend giving John and his team an opportunity to earn your business. Thanks Amp Adavnce,
  
 
      Posted on Google  
   
   Jak Dawson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amp Advance did great with their customer service, understanding my business, and quick loan services. Thanks a lot for the help with my Florida Business Loan.
  
 
      Posted on Google  
   
   Francisco Montero Naranjo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Glad I called AMP, they came in clutch for business funding for my Irvine, CA business when my biggest client had payment issue to help me cover my payroll with a business line of credit.
  
 
      Posted on Google  
   
   Gloria Ortiz 
 
 
 
 Trustindex verifies that the original source of the review is Google. You've guys helped me hit my funding goals so I can grow my business from start up to where I am today! Your team took the time and helped me a lot. Thanks!
  
 
      Posted on Google  
   
   Christiaan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I used AMP to secure equipment financing for network servers and storage networks. The process was smooth, and they helped me get exactly what I needed, without tying up my cash flow.
  
 
      Posted on Google  
   
   Jocelyn Farrar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Carlos got me funded for a business line of credit where my bank declined me! He’s my guy when I need business funding I would highly recommend
  
 
      Posted on Google  
   
   Travis Messman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and the team at AMP helped me consolidate my business debt into a single loan with an affordable payment, saving me 40% on cash flow.
  
 
      Posted on Google  
   
   Nicole Olar 
 
 
 
 Trustindex verifies that the original source of the review is Google. John and the team at AMP were absolute lifesavers! They listened to my needs and made the process of securing a business line of credit easy and educational!
  
 
  
  
 
 
   Google rating score: 5.0 of 5, based on 46 reviews

YOU GOT QUESTIONS? WE HAVE ANSWERS!

Can I get a construction business loan with bad credit?

Yes, it’s possible to get a construction business loan with bad credit, especially through alternative lenders like AMP Advance. Options like equipment financing, invoice factoring, and short-term working capital loans are more flexible and may not rely heavily on your credit score. Instead, lenders may consider your business revenue, time in operation, and cash flow.

Do construction companies qualify for SBA loans?

Yes, many construction companies qualify for SBA loans, especially if they meet the SBA’s requirements for revenue, time in business, and credit. SBA 7(a) and SBA Express loans are common choices for contractors looking to secure long-term, low-interest financing for growth, payroll, or equipment.

What is the best construction business loan for buying equipment?

The best loan for buying construction equipment is typically equipment financing, which allows builders and contractors to purchase heavy machinery without paying upfront. The equipment itself often serves as collateral, making it easier to qualify—even with less-than-perfect credit.

Can I use a construction business loan to pay subcontractors or labor?

Absolutely. Many working capital loans for construction businesses are used to cover labor costs, including paying subcontractors and temporary crews. This helps keep projects moving even when invoice payments are delayed.

How do I get pre-qualified for a contractor business loan online?

Getting pre-qualified for a contractor loan online through AMP Advance is fast and simple. Fill out a short application, upload your business bank statements, and receive loan options within hours—no hard credit check required to view your offers.

Our minimum qualifications require: