Business Funding for Construction Companies & Contractors
Construction businesses live and die by cash flow. Material costs are paid upfront, but payment from clients and GCs often takes 30 to 90 days. ORP Group matches general contractors, subcontractors, and specialty trades to a bank or lender for every type of business that understand progress billing, retainage, and equipment-heavy balance sheets.
Construction is one of the largest small business segments in the U.S. — over 700,000 construction firms operate nationwide.
Source: U.S. Small Business Administration, 2024Cash flow timing is the #1 financial challenge identified by small business owners.
Source: Federal Reserve Small Business Credit Survey, 2024Common Funding Challenges for Construction & Contractors
- Payment cycles of 30–90 days create working-capital gaps between material purchase and customer payment.
- Bonding capacity often hinges on liquid cash on hand, not project pipeline.
- Heavy equipment purchases (excavators, lifts, trucks) require large capital outlays.
- Banks discount accounts receivable from new GCs or government agencies.
Best Funding Products for Construction & Contractors
Our advisors most commonly match construction & contractors clients with these products.
Revenue Based Funding
Get funding based on your construction revenue without pledging trucks, excavators, or tools.
Learn moreBusiness Line of Credit
Bridge the gap between material costs and customer payments. Reuse the line as projects wrap.
Learn moreInvoice Factoring
Convert open invoices into cash within 24–48 hours instead of waiting 60+ days for payment.
Learn moreTerm Loans
Fund large one-time investments such as a yard purchase, fleet expansion, or shop buildout.
Learn more