Table of contents
We evaluated dozens of construction business financing companies and narrowed the list down to the top eight, based on published lender terms and verified borrower reviews. Our weighted algorithm considered factors such as funding speed and the range of financing options each company provides.
How we ranked the top construction business financing companies:
Maximum Funding Amount (30%): How much capital the provider offers
Funding Speed (25%): How fast approved funds arrive
Collateral-free Funding (20%): Whether your business needs to pledge assets
Unrestricted Use of Funds (15%): Whether the capital can cover any job cost
Funding Structure Variety (10%): How many financing structures each company offers
Top 8 Construction Business Financing Companies
| Rank | Company | Max funding amount | Funding speed | Collateral required | Unrestricted use of funds | Funding structures |
|---|---|---|---|---|---|---|
| 1 | National Business Capital | $15M | Same day | No (most products) | Yes | 6+ |
| 2 | Bluevine | $500K | Same day | No (but personal guarantee required) | Yes | 2 |
| 3 | Live Oak Bank | $5M | 15+ days | Yes (loans over $50K) | Yes | 3 |
| 4 | Fundbox | $250K | 1 business day | No | Yes | 2 |
| 5 | Riviera Finance | $5M | 24 hours | Yes (invoices) | No | 1 |
| 6 | Crest Capital | $500K | As little as 4 hours | Yes (equipment) | No | 2 |
| 7 | Billd | Not disclosed | Same day | Guarantees only | No | 2 |
| 8 | Mobilization Funding | Not disclosed | 24–48 hours | Yes (job contract) | No | 1 |
Top Construction Business Financing Companies: Descriptions and Reviews
1. National Business Capital
Funding over $3B since 2007, National Business Capital is a direct lender that funds established businesses. Many of its construction clients need capital between contract signing and the first pay app. National lends from its own balance sheet, and its advisors match the funding structure to what the capital needs to accomplish.
- Maximum Funding Amount: Up to $15M
- Funding Speed: Same day for eligible accounts
- Collateral-Free Funding: No collateral required for most products
- Unrestricted Use of Funds: Yes, capital covers any job cost
- Funding Structure Variety: Five funding structures (Term Loan, Line of Credit, Cash Flow Financing, Direct Funding, and Private Credit)
Customer Review Summary
Business owners consistently praise how National Business Capital’s advisors “make the financing journey smooth.” Additional feedback includes appreciation for an advisor who “explained the loan process clearly.”
2. Bluevine
Bluevine offers a revolving line of credit with a 625 minimum FICO and no fees to open or maintain the line. It also arranges term loans through its lending partners. Draws can land the same day in some circumstances.
- Maximum Funding Amount: Up to $500K for term loans; $250K for the line of credit
- Funding Speed: Same-day draws available
- Collateral-Free Funding: Personal guarantee required
- Unrestricted Use of Funds: Yes, for any business expense
- Funding Structure Variety: Two structures
Customer Review Summary
Bluevine customers consistently praise getting “approved with Bluevine within 24-hours” for last-minute payroll. Common feedback includes appreciation that “funds are received immediately with no hassle.”
3. Live Oak Bank
Live Oak Bank holds SBA Preferred Lender status, so it approves government-backed loans in-house. Its SBA 7(a) loans stretch repayment across years. The tradeoff is timing, since even the Express program takes about 15 days to fund.
- Maximum Funding Amount: Up to $5M
- Funding Speed: 15+ days for Express loans
- Collateral-Free Funding: SBA waives collateral on loans up to $50K; lender policy applies above this threshold
- Unrestricted Use of Funds: Yes, for any eligible business purpose
- Funding Structure Variety: Three SBA programs
Customer Review Summary
Customers consistently praise Live Oak Bank’s team as “sharp and responsive.” Other feedback includes appreciation for “prompt responses” from customer service.
4. Fundbox
Fundbox provides a line of credit and term loan to businesses with a 600 FICO score, with 12-week or 24-week repayment terms. Funds arrive the next business day, and the relatively low entry bar may suit newer subcontractors. The short repayment windows fit small timing gaps between pay apps.
- Maximum Funding Amount: Up to $250K
- Funding Speed: Next business day
- Collateral-Free Funding: None required
- Unrestricted Use of Funds: Yes, for any business expense
- Funding Structure Variety: Two structures
Customer Review Summary
Fundbox customers consistently praise the platform as "easy to use from setup to funding." Customers also refer to an "easy application" process and "fast and efficient support."
5. Riviera Finance
Riviera Finance has offered non-recourse invoice factoring since 1969. It advances cash on approved invoices within 24 hours and absorbs the credit risk if a customer fails to pay. Because funding follows billed work, the company cannot cover costs before the first invoice.
- Maximum Funding Amount: Up to $5M
- Funding Speed: 24 hours on approved invoices
- Collateral-Free Funding: Receivables are the collateral
- Unrestricted Use of Funds: No. Limited to invoiced receivables
- Funding Structure Variety: Invoice factoring
Customer Review Summary
Clients describe Riviera Finance’s communication as “clear, timely, and professional.” Reviews also say that the service lets them “get our money quickly.”
6. Crest Capital
Crest Capital finances construction equipment from $10K to $500K through loans and leases. It asks for no financial statements on transactions up to $250K, and funding can arrive in as little as four hours.
- Maximum Funding Amount: Up to $500K
- Funding Speed: As little as 4 hours
- Collateral-Free Funding: The equipment is the collateral
- Unrestricted Use of Funds: No, equipment purchases only
- Funding Structure Variety: Two equipment structures
Customer Review Summary
Customers admire Crest Capital because “approval took less than 1 hour.” Other feedback includes appreciation for a team that is “incredibly responsive.”
7. Billd
Billd pays material suppliers upfront for commercial subcontractors. The contractor then gets up to 120-day payment terms, four times the standard 30 days. Its Pay App Advance product covers up to 100% of an approved pay app as fast as the same day.
- Maximum Funding Amount: No published ceiling
- Funding Speed: Same-day supplier payment
- Collateral-Free Funding: Guarantees in place of pledged assets
- Unrestricted Use of Funds: No, materials and pay app advances only
- Funding Structure Variety: Two structures
Customer Review Summary
Subcontractors say that Billd “made it possible for us to fund large projects from the start.” Additional feedback says that the “approval process and access to funds was a breeze.”
8. Mobilization Funding
Mobilization Funding lends against a signed commercial construction contract. Repayment follows the dates the general contractor pays. The loan covers direct labor and materials for that project, and funds arrive in 24 to 48 hours. Approval rests on the contract itself, so personal credit stays out of the decision.
- Maximum Funding Amount: Sized to the contract; no published ceiling
- Funding Speed: 24–48 hours
- Collateral-Free Funding: The job contract is the collateral
- Unrestricted Use of Funds: No, just labor and materials for one project
- Funding Structure Variety: Contract-based loan
Customer Review Summary
Reviewers note that Mobilization Funding “truly understands the needs of contractors.” Other feedback mentions that the company’s services “helped us chase larger projects.”
Best Construction Financing for Credit Flexibility
| Rank | Company |
|---|---|
| 1 | National Business Capital |
| 2 | Mobilization Funding |
| 3 | Fundbox |
| 4 | Bluevine |
Best Construction Equipment Financing Companies
To request a PDF copy of this report, contact our research team today. You can also talk to an advisor to compare funding structures for your next construction project.
ABOUT THE AUTHOR
With over a decade in business lending, Josh leads National Business Capital’s advisor team as EVP of Finance. Having personally structured thousands of funding arrangements, he simplifies the lending journey and guides clients through approvals, capital stacks, funding timelines, and the key questions to ask before signing.
