Questions? We're always open. 📞
(646) 440-4100
Want more info? Text us: 💬
(206) 426-6916
Contact Us

Questions? We're always open. 📞 (646) 440-4100

Want more info? Text us: 💬 (206) 426-6916

Contact Us

Construction Business Financing

Fast, flexible funding built for the way construction businesses actually operate

With an 85% approval rate, what are you waiting for?
Applying will not impact your credit score….*

Why Construction Businesses Need Specialized Financing

Construction is one of the most capital-intensive industries in the U.S., operating on a financial rhythm traditional banks are not built to support. With payment cycles averaging 83 days and retainage holding 5-10% of every payment, REIL Capital provides financing designed around the realities contractors face every day.

How Construction Financing Works

REIL Capital offers three financing products that address the specific cash flow challenges construction businesses face. Bridge capital, equipment financing, and invoice financing each solve a different problem, and many contractors use more than one.

  • Cover payroll between client payments
  • Fund mobilization costs on new projects
  • Manage seasonal revenue dips
  • Pay subcontractors on schedule
  • Excavators, loaders, and heavy machinery
  • Cranes and lifting equipment
  • Work trucks and fleet vehicles
  • Concrete and paving equipment
  • Power tools and specialty trade equipment

The recommended product for construction industry

Join our network of happy customers!

All you need to qualify

$20k+

In monthly revenue

6+

Months in business

500+

FICO Score

4

Most recent business bank statements

$250K+

In annual revenue

6+

Months in business

600+

FICO Score

4

Most recent business bank statements

Just 3 steps to get this funding started!

Three steps between you and funded. Apply online in under 5 minutes, get approved the same day, and receive funds as fast as 24 hours. The entire process can be completed in a single business day.

Apply Online

Just a few quick questions and away we go

Get Approved

Get your approval and jump for joy!

Receive Your Funds

Accept your terms and the funds are on the way!

Get Your Construction Business Funded

Apply online in under 5 minutes or speak directly with a funding advisor who understands construction.
Applying will not impact your credit score. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message from Mission Capital, LLC DBA REIL Capital. Message frequency may vary. Message & data rates may apply. Reply STOP to opt-out of further messaging. Reply HELP for more information. See our Privacy Policy: https://reilcap.com/privacy-policy/

General Contractor Financing

General contractor financing addresses the cash flow challenges that GCs face managing multiple projects with staggered payment schedules. Progress billing, retainage holdbacks, and material procurement timelines create gaps between spending and collecting that can strain even profitable contracting businesses.

Common financing needs for general contractors include working capital to cover payroll and materials between progress payments, equipment financing for owned heavy equipment and tools, and bonding support for larger commercial and government projects.

REIL Capital offers financing structured around construction payment cycles. Whether you need bridge capital to cover the gap between mobilization and first progress payment, or equipment financing to add capacity for a new project, our approval process is designed for contractors who need funding quickly.

Contractor Loans

Contractor loans provide construction professionals with working capital, equipment funding, and project-based financing. Unlike traditional bank loans that can take weeks to process, contractor loans through REIL Capital are designed for the speed that construction timelines demand.

The most common uses of contractor loans include purchasing materials for a new project before receiving the first draw, covering payroll during seasonal slowdowns, financing equipment purchases to bid on larger projects, and bridging the gap created by 60 to 90 day payment terms from general contractors or property owners.

REIL Capital approves contractor loans based on business revenue and project pipeline rather than requiring perfect credit. With a minimum of 6 months in business, $20K in monthly revenue, and a 500+ credit score, most contractors qualify for funding from $20K to $5M.

Frequently Asked Questions

Can't find the answer you need?

Check out our general FAQ section!

Construction is one of several industries we serve with specialized financing. See how contractors, healthcare providers, trucking companies, and other businesses use our funding programs.

* Rates shown reflect an average fixed monthly percentage. Rates may vary by state and lender criteria. We do not perform a hard credit pull at any point in our approval process. Decision and funding time are subject to applicant’s submission of all requested approval and closing documents. Same day funding is contingent on applicant qualifications. By supplying us with your information, you authorize REIL Capital LLC to contact you at the numbers you provide (including mobile) during any step of this application, via phone (including automated telephone dialing systems, prerecorded, SMS and MMS means) even if you are on a Do Not Call Registry. You are not required to agree to be contacted in this manner to apply with REIL Capital LLC.
Loans made or arranged pursuant to a California Financing Law license - CFL License Number: 60DBO 89473
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