Construction Business Lender Reviews
In-depth reviews of the top construction and contractor lenders. Each review covers rates, requirements, loan products, and how the lender compares to alternatives.
1
Best Overall — Same-Day Funding Across Six Loan Types Ad
Rates: From 1%/mo Max amount: $10,000,000 Min FICO: N/A Funding: Same day
Revenue-based financingLine of creditSBA loansEquipment financingPurchase order financingInvoice factoring
2
National Funding ★ 4.6/5
Best for Equipment Financing
Rates: From 8.99% Max amount: $500,000 Min FICO: 600 Funding: 1–3 business days
Equipment financingWorking capitalShort-term loans
3
Live Oak Bank ★ 4.6/5
#1 SBA Lender for Construction
Rates: From 9.5% Max amount: $5,000,000 Min FICO: 650 Funding: 30–60 days (SBA)
SBA 7(a)SBA 504Equipment financingCommercial real estate
4
Bluevine ★ 4.4/5
Best Line of Credit for Cash Flow
Rates: From 7.8% (simple interest) Max amount: $250,000 Min FICO: 625 Funding: Same day to 3 days
Business line of creditWorking capital
5
Triumph (Factoring) ★ 4.3/5
Best Invoice Factoring for Contractors
Rates: From 1–3% factor fee Max amount: $5,000,000+ Min FICO: N/A Funding: 24–48 hours
Invoice factoringAR financing
6
Kiavi ★ 4.4/5
Best for Fix & Flip / Hard Money
Rates: From 9.25% Max amount: $3,000,000 Min FICO: 660 Funding: 5–10 business days
Fix & flipBridge loansGround-up constructionRental (DSCR)
Reviews last updated June 2026. How we rate lenders.