Working Capital for Construction Companies
Capital that moves with the job, not the calendar.
One place for contractors to size the draw-cycle float, price retainage honestly, check a bid before it goes out, and see which financing structure fits the job schedule rather than the other way around.
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Start with the move
What construction companies use business funding for
Pick one and the calculator below changes to the question that move actually asks.
Run the numbers first
The gap between a draw request and the check
The work is done, the draw is submitted, and the money lands when the owner or GC processes it. Count the days your cash is funding a job that has already been billed, and see what the float is costing at your cost of capital.
- Days of revenue you are floating
- --
- Cost of carrying that float for a year
- --
- Line of credit
- Receivables financing
Draw-gap uses the receivables-gap formula from our calculators library. It sizes the float your draw cycle carries; it does not price a specific funding offer.
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Typical construction companies funding requests
- $25K-$500KTypical request range
What we actually structure for this industry. Your amount depends on the file.
- 8Structures we place
Equipment, line of credit, term, SBA, asset-based, receivables, revenue-based, and a business HELOC.
- $0Cost to ask
No applicant fees and no hard credit pull to start. Funding partners set final terms.
The numbers
What this industry runs on.
- More than 8 millionConstruction employees in the USU.S. Bureau of Labor Statistics, Current Employment Statistics · 2026
- The vast majorityShare of firms that are smallAssociated General Contractors of America · 2026
- 5% to 10% typicalRetainage held on private workIndustry practice documented by the Associated General Contractors of America · 2026
The cash year
When the money gets tight.
Construction demand is a weather and calendar business. The cash year is not flat, and the structures that fit follow the troughs.
No free source publishes a monthly national index of construction cash flow, so this section describes the pattern in plain terms rather than charting invented numbers.
Winter (northern markets)
Mobilization and layoffs depending on the region; equipment financing and lines of credit carry the slow months so crews and machines are ready for spring.
Spring mobilization
The front-loaded cost of starting the season, hiring, materials, and equipment, lands before the first draws. This is the clearest working-capital trough of the year.
Late-fall wrap-up
Retainage releases and final draws concentrate late; receivables financing and draw-gap lines turn held money into working capital instead of waiting on acceptance.
Funding products
What actually gets placed for construction companies.
- Line of creditMaterials and payroll between draws
- Receivables financingDraws and retainage you cannot wait for
- Equipment financingMachines and fleet over their useful life
- Term loanDefined purchases and expansion
- SBALarger and longer, slower to close
- Revenue-based financingAn urgent gap, at a higher cost
Monthly
The Construction Capital Brief
Once a month: what the national construction picture is doing, which structures are being written for contractors, and the compliance and retainage changes worth knowing before you sign. No pitch, unsubscribe in one click.
Reading
The full library.
Everything we have published for construction companies, newest first. 3 pieces in total. Narrow it to the shelf you need, or read straight down the list.
- Equipment Financing Without Draining CashHow equipment financing works, illustrative rates and terms, how to qualify, and when it beats leasing, a term loan, or paying cash.Jul 9, 2026
- Business Term Loans: A Complete Guide for OwnersAn honest guide to business term loans: how they work, illustrative rates and terms, how to qualify, and when one beats a line of credit.Jul 4, 2026
- MCA vs. Traditional Business Loan: Full ComparisonMCA vs traditional business loan: cost, speed, qualification, and when each makes sense. An honest side-by-side, not the loudest pitch.May 3, 2026
Disclosure
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Common questions
construction companies funding questions, answered straight.
The questions owners ask before they apply, answered for construction companies.
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