🏗️ Construction Financing

Construction Business Loans
Built for Contractors

Construction projects move fast and costs hit before client payments do. Caply keeps your cash flow steady so you can take on bigger jobs, cover materials, and keep your crew on the clock.

Get Funded Now — No Credit Impact
$10k–$2M Available Funded in 24–48 Hours No Credit Impact 50+ Lenders

Why Contractors & Construction Businesses Choose Caply

Specialized lenders who understand how construction cash flow actually works.

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Equipment financing

Trucks, excavators, lifts, trailers — new or used, fast approval.

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Bridge payment gaps

Cover payroll and materials while waiting on client payments.

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Project startup costs

Fund mobilization, permits, and early-stage project expenses.

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Materials & supplies

Purchase materials upfront without waiting on draws.

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Bond & insurance costs

Finance bonding and insurance requirements for new contracts.

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Scale to bigger jobs

Take on larger commercial contracts without cash flow holding you back.

Funding Products Available to You

One application. Multiple competing offers. You choose what fits.

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Equipment Financing

$25k–$2M | 2–5 days

Own the tools that win you bigger contracts. Finance trucks, heavy equipment, and specialty tools.

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Working Capital Loan

$10k–$500k | 24 hrs

Cover payroll and materials while you wait on receivables.

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Business Line of Credit

$10k–$250k | Revolving

Draw funds when a job starts. Pay back when the client pays you.

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Invoice Factoring

Up to 90% of invoice | Same day

Turn unpaid invoices into immediate cash. Stop waiting on slow-paying clients.

See My Options — No Credit Impact

What Our Clients Say

★★★★★

"I had a $400K commercial job lined up but needed $80K upfront for materials. Caply funded me in 4 days. That job tripled my revenue that quarter."

— James K., General Contractor, Phoenix
★★★★★

"My dump truck broke down mid-job. Caply had me in a new one within a week. No other lender was going to move that fast for a contractor."

— Derek M., Excavation Contractor, Sacramento

Caply vs. The Bank

The Old Way (Bank)
The Caply Way
Invoice-to-payment gaps kill cash flow
✅ Bridge financing available same day
Banks don't understand project-based revenue
✅ Lenders built for your business model
Equipment loans take weeks
✅ Funded in 2–5 days
Miss jobs waiting for capital
✅ Say yes to every opportunity

Don't Let Cash Flow Stop Your Next Big Job.

One application. No credit impact. Funded in as little as 24 hours.

Apply Now — Takes 5 Minutes Talk to a Funding Advisor

Frequently Asked Questions

Everything you need to know before you apply.

What types of construction businesses does Caply work with?
General contractors, specialty trades (electrical, plumbing, HVAC), landscaping, commercial builders, and any construction-adjacent business. If you build things, we can fund you.
How fast can a construction company get funded?
Working capital and equipment loans typically fund within 24–72 hours. SBA loans for larger amounts take 30–90 days.
Can I get financing if my revenue is project-based?
Yes. Our lenders understand that construction revenue is irregular. We look at your average monthly deposits and overall project history, not just a smooth revenue curve.
What can I use a construction loan for?
Equipment purchases, materials and supplies, payroll between project payments, bonding costs, insurance, new project startup costs, or bridge financing between contract draws.
Does applying affect my credit score?
No. Caply uses a soft credit pull — zero impact. A hard pull only happens if you choose to accept a specific lender's offer.
What credit score do I need?
Many lenders in our network work with scores as low as 550. For equipment and larger SBA loans, 620+ is preferred. Time in business and monthly revenue matter more than score alone.

Still have questions? Start your free application — no credit impact, decision in minutes.