Construction Business Loans — Bridge the Gap Between Jobs
Signed contracts don't pay crews. Materials don't wait for your client's check to clear. We match contractors to lenders who understand project-based cash flow. $10K–$2M.
Mini Case Study
Rodriguez Construction Funded $120K in 18 Hours
Carlos had $180K in signed contracts but needed $120K for materials and payroll before the first draw check arrived. His bank wanted 60 days. His contracts didn't wait.
1 Hour Lending matched him with a line of credit that afternoon. He had funds by morning, materials ordered by noon, and two crews on-site by Monday.
Common Uses
What Contractors Use This Money For
From bridge financing to equipment, here's how contractors in our network deploy capital.
Bridge Financing Between Projects
Cover payroll and overhead between project draws or completion payments. Stop turning down jobs because of cash timing.
Materials & Equipment Purchases
Buy materials upfront to lock in pricing. Finance excavators, lifts, and tools without depleting your operating account.
Payroll During Project Delays
Keep your crew paid when a permit is held up, a client delays, or weather pushes timelines. Don't lose good workers to cash flow.
Bid Bonds & Performance Bonds
Secure the bonding required to bid on larger commercial or government contracts. Grow your revenue ceiling.
Vehicle & Fleet Expansion
Add trucks, vans, trailers, or specialty vehicles to take on more jobs simultaneously. Finance through equipment loans.
Invoice Financing
Get paid on net-30 to net-90 invoices immediately. Stop waiting months for clients to pay completed work.
Best Loan Types for Contractors
Construction businesses have unique financing needs. These products are built for project-based businesses.
| Loan Type | Amount | Speed | Best For |
|---|---|---|---|
| Business Line of Credit | $10K–$500K | 24–48 hrs | Project bridge financing, payroll gaps, materials |
| Invoice Financing | $10K–$2M | 24 hrs | Turn unpaid invoices into immediate cash |
| Equipment Financing | $10K–$2M | 2–7 days | Excavators, lifts, vehicles, tools |
| Term Loan | $25K–$2M | 1–5 days | Working capital, business expansion, larger projects |
| SBA Loan | $50K–$5M | 30–90 days | Major equipment purchase, office/yard expansion |
What Business Owners Say
Real Businesses. Real Funding.
"I applied at 9am. By noon I had three offers in my inbox. By 2pm the money was in my account. I didn't believe it was real until I saw the deposit."
"After three banks turned me down, I figured I was out of options. 1 Hour Lending matched me with a lender who actually understood my industry. Got $85K in equipment financing."
"My credit score was 562. I thought that was a deal-breaker. The marketplace found me a lender who looked at my revenue instead. $40K working capital in 24 hours."
Ready to See What You Qualify For?
One 5-minute application. 75+ lenders competing for your business. No hard credit pull. Most businesses get matched same day.
No hard credit pull · Free to use · Funding from $5K to $5M