Construction Business Loans & Contractor Financing
Contractors front materials and labor for weeks or months before a draw is released. Add retainage, change orders, and net-60 general contractors, and even profitable construction companies run short on cash.
HL Hunt Funding arranges construction and contractor financing from $10,000 to $5,000,000 — invoice factoring on approved pay applications, equipment financing for machinery and vehicles, and working capital lines to carry you between draws.
- No credit inquiry to pre-qualify
- Decisions in under 24 hours
- $10K/mo revenue is all it takes
Cash-flow challenges we solve
- Long gaps between completing work and receiving payment
- Retainage tying up 5–10% of every contract
- Equipment costs for new bids
- Bonding and insurance requirements
What construction businesses fund
- Materials for a new project before the first draw
- Excavators, skid steers, and trucks
- Payroll on multi-month projects
- Bridging retainage
- Bidding on larger contracts
Best funding options for construction businesses
Invoice Factoring
Stop waiting 30, 60, or 90 days. Advance up to 95% of your receivables within 24 hours.
Learn moreEquipment Financing
Finance new or used equipment with the asset as collateral — preserve your cash and your credit lines.
Learn moreBusiness Line of Credit
Approved once, available always. Pay interest only on what you actually use.
Learn moreWorking Capital Loans
Payroll, inventory, rent, taxes, opportunity — cover it all with capital that arrives in a day.
Learn moreCan contractors factor pay applications?
Yes. Construction factoring advances against approved pay apps and invoices to general contractors and owners, including some progress billings.
What equipment can I finance?
Excavators, loaders, skid steers, dump trucks, trailers, lifts, concrete equipment, and most titled or serialized assets, new or used.
Get construction funding in 24 hours
Two minutes. Six questions. No credit inquiry. Real funding ranges, not a sales call.
Free · No obligation · No credit inquiry