Construction Finance Learning Center
Plain-English guides to financing a construction business — from buying your first machine to surviving slow-paying clients.
Construction Industry Statistics 2026
Spending, business counts, failure rates, material costs, and payment delays — sourced from Census, BLS, and BEA.
Construction Loan Rates 2026
Current rates by product — equipment, SBA, working capital, commercial, and fix & flip — and what drives your number.
Surety Bonds for Contractors
Bid, performance, and payment bonds, what they cost, and how bonding capacity works.
Types of Construction Loans
Every major financing type for contractors — equipment, working capital, SBA, fix & flip, and more.
How to Get a Construction Loan
Step by step — choosing the product, documents, comparing lenders, and getting approved.
Business Credit for Contractors
How to build business credit and why it unlocks lower rates, higher limits, and bonding.
Construction Equipment Cost Guide
What skid steers, excavators, dump trucks, and cranes cost — new vs used.
What Is a DSCR Loan?
Rental-property financing qualified on the property's income — and the BRRRR exit.
Merchant Cash Advances: Worth It?
How MCAs really work, the true cost, and cheaper alternatives for contractors.
Construction Loan Requirements
Credit, time in business, revenue, collateral, and the documents lenders ask for.
Section 179 for Construction Equipment
Deduct the full price of financed equipment — what qualifies and how it pairs with financing.
Invoice Factoring vs Line of Credit
Cost, speed, and which to use for slow-paying clients, bad credit, and recurring gaps.
SBA 7(a) vs 504
Which SBA program fits working capital, equipment, or real estate.
What Is Retainage?
Why 5–10% gets held back, when you get it, and how to bridge the cash gap.
How to Start a Construction Company
Startup costs, licensing, equipment, and how to fund the launch and first-year cash crunch.
Equipment Leasing vs Buying
The real trade-offs — cost, Section 179, capital vs operating leases, and when each wins.
Construction Loan Draw Schedule
How draws, inspections, interest-only payments, and retainage actually work on a build.
How Construction Loans Work
Draw schedules, interest-only periods, inspections, and the full funding process.
Construction Loan Calculator
Estimate monthly payments, total interest, and total cost on any loan.
Equipment Financing Guide
Finance excavators, skid steers, and trucks. New vs used, lease vs buy, Section 179.
Working Capital & Cash Flow
Beat slow-paying clients with lines of credit and invoice factoring.
Fix & Flip and Hard Money
How investor loans fund purchase plus rehab, and what ARV means for your deal.
Commercial Construction Loans
Ground-up, multifamily, and development financing for builders.
SBA Loans & Surety Bonds
How SBA 7(a) and 504 work for contractors, plus bonding basics.
Construction Business Loans
Term loans, startup funding, and bad-credit options for contractors.
Contractor & Trade Financing
Financing built for roofing, HVAC, plumbing, and electrical contractors.