Contractors Business Loans
Contractors don’t have time for 90 day bank processes and endless paperwork. You need access to fast, flexible, and ethical financing, especially when traditional banks say no.
We look at the health of your business and your projects, then match you with the right tools so you can focus on building, not chasing cash.
Why Financing Matters for Contractors
Upfront Expenses. Delayed Payments. We Help You Stay Ahead.
Contractors face constant cash flow pressure, even when the work is lined up:
- Fronting costs for materials, equipment, and crews before the first invoice goes out
- Waiting weeks or months to get paid by property owners, developers, or general contractors
- Managing payroll, insurance, and fuel costs during project delays or seasonal slowdowns
We partner with contractors to bridge the gap between doing the work and getting paid. With the right financing in place, you can take on larger jobs, keep your crews moving, and confidently say yes to the next opportunity.
Tailored Solutions for Contractors
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.
Types of Contractor Businesses we Serve
Get the capital you need to grow your construction business—today.
We work with established contracting and trade businesses across the country, including:
- General contractors and construction managers
- Electrical, plumbing, HVAC, and mechanical contractors
- Masonry, concrete, and framing crews
- Roofing and siding companies
- Specialty trades such as fire protection, low voltage, and site work
- Commercial remodelers and tenant improvement contractors
If your business runs crews, lives on progress payments, and juggles multiple jobs with uneven cash flow, we likely know your world.
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
What types of contractors do you work with?
We work with general contractors and trade contractors across many industries, including electrical, plumbing, HVAC, roofing, concrete, landscaping, excavation, and specialty trades. If your business has been operating for at least 12 months and generates consistent revenue, we can likely help.
How fast can contractors get funded?
In many cases, funding can happen in as little as 24 to 48 hours. Timing depends on the financing product and how quickly documents are provided, but speed is one of our core strengths.
Do I need perfect credit to qualify?
No. We look at the full picture of your business, including revenue, cash flow, and project history. Many contractors we work with have been turned down by banks but still qualify for strong funding options.
Can I use financing to cover payroll and materials?
Yes. Contractors commonly use financing to cover payroll, materials, equipment, permits, insurance, and other upfront job costs while waiting on customer payments.
What if I am waiting on progress payments or retainage?
This is a very common situation for contractors. Financing can help bridge the gap between completed work and delayed payments so your cash flow does not stall your business.
Are there long-term options, or is everything short-term financing?
We offer both short-term and longer-term options. As your business grows and financials strengthen, we can also help guide you toward more traditional financing like term loans or SBA products.
Will taking financing now hurt my ability to get bank funding later?
Not necessarily. When structured correctly, financing can help you stabilize cash flow, grow revenue, and strengthen your financial profile, which can actually improve your chances of qualifying for traditional financing down the road.
What do I need to apply?
Typically, we start with basic business information, recent bank statements, and revenue details. We keep the process as simple as possible and guide you through every step.