Construction Business Loans
Building a construction business means building bigger. Taking on larger, more profitable projects when the opportunities arise. Which means expanding your team, upgrading your equipment and paying upfront for materials. Which means obtaining funding – fast.
Unfortunately, traditional lenders, with their high qualification standards and long approval periods, aren’t nimble or flexible enough to help you grab the opportunities that enable you to grow.
Why Financing Matters in Construction
Upfront Costs. Delayed Payouts. We Fill the Gap.
Construction companies face unique financial challenges:
- Paying for labor, materials, and permits before a job even starts.
- Waiting 30, 60, or even 90 days for payment from general contractors or government clients.
- Covering payroll during slow seasons or project delays.
We’ll be your partner to help you bridge the cash flow gaps so you can keep moving forward, bid on bigger jobs, and say yes to new opportunities.
Tailored Solutions for Construction Businesses
One Size Doesn’t Fit All. That’s Why We Offer Options.
Stop waiting to get paid by the credit card processing companies. We can help you get cash for your future receivables.
If projects get delayed or clients are slow to pay, King Capital invoice/receivables financing allows you to dramatically reduce your payment cycle. You sell your unpaid invoices to a third party, and get paid in just a few days rather than weeks or months!
You can typically borrow up to 100% of the amount you need to buy the targeted equipment – up to $5 million per piece. The program is easy to qualify for and easy to repay – low monthly rates are similar to what you’d pay to rent equipment.
A business term loan can provide the infusion of capital you need to meet your goals. Loans are available up to $2 million, with flexible terms from 3 months to as long as 10 years.
For short-term working capital, we offer revolving lines of credit up to $250,000 that work like a business credit card.
Draw funds from your line whenever the unexpected happens – no applications, no waiting for approvals. When you pay back your balance, the funds are available again.
King Capital helps real businesses secure SBA loans—fast, honest, and with expert guidance. With lower rates and longer repayment terms, SBA loans are one of the smartest ways to fuel growth. We simplify the process so you can focus on running your business.
Fast Funding Means Jobs Don’t Stop
When Timing Is Everything, We Deliver.
Construction doesn’t wait, and neither should your funding. Our streamlined process means:
- 95% of approvals in under 2 hours
- Same-day funding available
- Reps available after hours
- No origination or broker fees on many products
While other lenders make you wait, we make it work.
What Makes Us Different
We Partner in Your Growth
We co-invest in deals with lenders. We put our skin in the game and that means better terms for you.
Transparency
We say no to hidden fees and yes to real transparency.
Financial Expertise
We guide you toward the right long-term solution, not just a quick sale.
Ready for Bigger Bids and Better Gear
Get the capital you need to grow your construction business—today.
King Capital provides fast, flexible equipment financing so you can keep building without delay. Whether it’s $50K or $2M, we’ll help you secure the capital to grow your business on your terms—with no hidden fees or surprises.
Real Results. Real Relationships.
“King Capital is the real thing. Customer service and communication through the process was flawless. When King Capital advertises approval within hours, this is no joke!”
Bret
Arizona
“I have been working with Frank at King Capital for several years, and I have never had any issues getting financing. Frank is a pleasure to work with, and he always gets the job done for me and my business no matter the amount of capital we need.”
Ray
Michigan
“Thank you to King Capital and their team of professionals for their quick, clean, and efficient process in meeting my quick-capital needs in order to be opportunistic.”
Tommy
Virgina
Frequently Asked Questions
Can I finance equipment I already leased?
Yes. We offer sale-leaseback options that let you free up capital tied to existing equipment.
What if my clients are slow to pay?
We understand payment delays are common in construction. Our funding model looks at revenue trends—not just receivables.
Can you help me qualify for an SBA loan?
Absolutely. We’ll help you determine if you’re eligible and guide you through the application process step by step.
What types of construction businesses do you fund?
We work with general contractors, subcontractors, developers, and specialty trades like electrical, plumbing, roofing, and concrete. If you’ve been in business for at least 12 months and have consistent revenue, we can help.
How fast can I get funded?
You can get approved within hours and funded as soon as the same day. No waiting around for weeks like with banks.
What if I’ve already been turned down by a bank?
That’s where we come in. We specialize in saying yes when traditional lenders say no.
Do you fund large jobs or government contracts?
Absolutely. If you’ve won a contract and need upfront capital to deliver, we can help you bridge that gap.