Business Line of Credit
Cover materials and payroll between draws, then repay as progress payments land — without touching your reserves.
Explore Business Line of CreditIndustry funding
Funding for Construction businesses
Fund materials, payroll, and equipment long before a job ever pays out — and stop letting slow draws and retainage dictate your cash flow.
The cash-flow reality
Challenges in construction
We've funded enough construction businesses to know exactly where the money gets tight. Here's what we structure around.
The pay-when-paid gap
You front materials and payroll for weeks or months before a progress draw clears. That timing gap can stall the next job before this one is even billed.
Retainage ties up profit
With 5-10% held back until project completion, a meaningful slice of your margin sits unavailable exactly when you need working capital.
Equipment-heavy bids
Winning bigger contracts often means buying or upgrading equipment up front, straining reserves before the contract generates a dime.
Recommended products
Funding solutions for construction
Based on how construction businesses earn and spend, these products tend to fit best.
By the numbers
What construction funding looks like
$5K-$1M
Typical funding range
24-48 hrs
From approval to funds
6 mo+
Time in business to qualify
In their words
A construction owner's story
“Northwind funded our materials and payroll between draws on a 14-month commercial build. We never missed a Friday paycheck, even when the GC paid late.”
Eligibility for Construction businesses
Most construction firms qualify with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score. Sole proprietors, LLCs, and S-corps all welcome.
Steady capital. Solid partners.
Ready to fund your construction business?
Apply in about five minutes with no hard credit pull, or talk through your options with an advisor who knows your industry.