Construction business loans, fast.

Apply for financing today to build your business, upgrade your equipment, or fund your next project.
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$250K construction loan approved!
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We're here to help you build

Business owners love that Sunrise Capital helps them get funding without the headaches.

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Robin Washington

Everything was good

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Andrea

It was a great experience dealing with Alexis from Sunrise Capital. Thanks so much for helping me get financing for my small business.

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Jake

Sunrise Capital was very helpful in getting me setup with the right loan, very smooth experiance!

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Mrbrenk

Made it simple to.find a lender. Walked me thru the process every step.

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Big Dame Big Dame

I went online lastnight (Thursday) and requested a business loan. Friday I received a call from Jarrad Cohen and he was AMAZING! He communicated the entire time, needless to say I GOT FUNDED TODAY! Thank you sooo much Jarrad! I'm so grateful

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Abraham

My representative Brady Schofield. Made the process very easy. He was attentive and super helpful with the whole process.

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Based on 235 reviews

Proven construction lending expertise.

Get the answers and the funding you need with support all along the way.

$1.4 billion

in small business funding facilitated in the last decade.

4.7 stars

21,000 Trustpilot® reviews.
50% repeat customers.
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85% approval rating

21,000 Trustpilot® reviews.
50% repeat customers.
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Four simple steps to construction funding.

Tell us about your business.
Answer a few simple questions and complete the application in minutes.
Submit your application.
Applying is free and won’t impact your credit score.
Compare offers.
Find the funding option with the terms that best fit your small business goals.
Get funded.
Once you accept, funding can hit your bank account in as little as 24 hours.
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Sunrise Capital knows the construction business.

Being in construction means having a lot of things to manage.With Sunrise Capital, you can explore different financing structures to findthe one that fits your company’s next big move. Use funds to:

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Bridge capital between projects

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Purchase supplies and materials

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Refinance existing debt

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Pay your crew

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Invest in marketing

What type of commercial real estate funding is best for your business?

These are the most popular types of funding that other xxxx-based businesses qualify for through Sunrise Capital.

Business Term Loan

Borrow a lump-sum with a set repayment schedule, and get funding quickly with online options.

Business Line of Credit

Access available funds whenever you need them, and only pay interest on what you draw.

Accounts Receivable Financing

Convert unpaid invoices into immediate cash flow by selling your accounts receivable to a third party.

What types of business loans are available to construction businesses?

Line of Credit

With Sunrise Capital, clients can get approved for a revolving line of business credit in as little as 48 hours. The biggest benefit to a business line of credit is that you get access........

Term Length
1–15 months
Max Loan Amount
$1 million

Short-Term Loans

Short-term business loans are typically repaid within two years or less time, depending on the conditions of the loan. They are best used when covering unexpected costs or when extra......

Term Length
6 months - 25 years
Max Loan Amount
$750,000

Long-Term Loans

Long-term business loans range from five to twenty years and are typically used when looking to make a larger investment or expansion in your business. Most often, these loans......

Term Length
6-24 months
Max Loan Amount
up to $250,000

Invoice Factoring

Invoice factoring is a fantastic funding option for businesses that deal with invoicing and have had trouble tracking down payments. Essentially, with invoice factoring.......

Term Length
1-5 years
Max Loan Amount
$5 million

FAQs

Find answers to some commonly asked questions in the construction industry.

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What are the requirements to get a construction business loan?
Each lender has its own criteria for financing approval. However, at Sunrise Capital , we have a few basic, minimum eligibility requirements in order to apply for a construction loan for business. First, the owner or primary applicant must have a personal credit score of at least 600. The company must also be in business for at least six months with a monthly revenue of $8,000.
What is the minimum down payment on a new construction loan?
Because there is usually no existing property to secure a construction loan, lenders take on a higher risk. To compensate for this risk, lenders will typically have businesses make a down payment of up to 20%. Depending on the type of loan, some borrowers may qualify for zero percent down.
Can contractors get a business loan?
Yes, there are construction business loan options for contractors. Contractors can apply for a variety of business loans to help their company, whether you need to even out cash flow, invest in new equipment, or expand your operations. You can learn more about business loans for contractors here.
What is the best loan for contractors?
The best loan for contractors really depends on your circumstances and financial goals. If you need to improve your cash flow, especially if you consistently wait for clients to pay invoices, an asset- or revenue-based financing loan may be best for you. Another great option for contractors is equipment financing, especially if you plan on purchasing your own heavy machinery in the near future. In this instance, you can use the equipment itself as collateral.
What are the benefits of an online lending marketplace?
When you need funding fast, a lending marketplace is a great option. The application is simple and quick, you have a marketplace of many lenders to compare and choose from and the support of a funding manager throughout the funding process.
What is an SBA loan?
An SBA loan is backed by the U.S. Small Business Administration, which encourages lenders to loan funds to businesses by offering an extra layer of financial security. For applicants, it means you may be able to access affordable financing even if you don’t qualify with a traditional bank. Rates are tied to the current prime rate and loan repayment terms are long. Plus, you may be able to qualify for larger loan amounts than an online lender or bank would normally offer.
What are the different types of SBA loans?
Here are the three main types of SBA loans for construction companies to consider:
  • SBA 7(a) loan – Borrow up to $5 million for working capital, purchasing assets, or refinancing existing debt. You can also use the funds to acquire a competing construction company or buy out one of your current partners.
  • SBA 504 loan – Great for construction companies, a 504 loan can be used for assets like machinery, land, and buildings.
  • SBA microloan – Just starting to grow your construction business? A microloan lets you borrow up to $50,000 to help you scale.

Ready for funding?

See what you can qualify for on the Sunrise Capital Marketplace.
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