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Funding for construction businesses

Financing tailored to the business behind the build.

Running a construction business means balancing crews, equipment, and the bottom line every day. IOU Financial offers construction business loans to support your business operations, with straightforward funding and a team that understands how construction companies operate.

What we offer

Funding that fits your construction business.

Whether you are looking for ongoing support for day-to-day business needs or one-time financing for larger expenses, IOU Financial offers construction business loans designed to work with how your company operates.

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Term loans

Flexible financing for long-term growth. Get up to $1,500,000 with repayment terms between 6 months and 2 years. Choose a payment schedule that fits your business’s cash flow and move quickly on expansion, upgrades, or staffing needs.

Business line of credit

On-demand access to working capital. Draw funds when you need them, repay, and reuse. Ideal for covering insurance reimbursement delays, payroll, supplies, or unexpected expenses without reapplying each time.

SBA bridge loan

Get the capital you need while your SBA loan is still pending. Use this short-term solution to keep projects moving, support staff, or manage tight cash flow. Repay once your SBA funds arrive.

Equipment financing

Finance essential construction equipment without straining cash flow. From heavy machinery and power tools to vehicles and jobsite equipment, spread costs over time with predictable payments that preserve your working capital.

Invoice factoring

Access the money you have already earned faster. Convert outstanding customer invoices and contract payments into immediate working capital to smooth cash flow and keep your projects moving.

Tenant improvement bridge loan

Cover build-out and renovation costs while you prepare to open or expand your space. A tenant improvement bridge loan helps fund construction, equipment installation, and upfront expenses before long-term financing or lease reimbursements are finalized.

Expansion capital

Fuel growth when your business is ready to take the next step. Expansion capital helps cover the costs of taking on larger projects, hiring crews, adding equipment, or expanding into new service areas, with flexible funding designed to support growth while keeping cash flow steady.
Smart ways to put your funds to work

Practical funding solutions for your construction business.

Whether you are growing your company, investing in equipment, or managing the day-to-day costs of running a construction business, IOU Financial gives you the flexibility to put funds where they make the most sense for your operation.

Expansion

Take on larger jobs, add crews, or expand into new markets without slowing down your existing work.

Equipment

Upgrade or replace heavy equipment, vehicles, or tools with construction business loans designed to support how your company operates.

Inventory

Purchase materials and supplies needed for existing and upcoming projects so you are ready to start or continue work without tying up cash flow.

Marketing and advertising

Cover marketing and advertising costs that support awareness of your services and help you stay connected to clients and partners.

Technology upgrades

Improve estimating, scheduling, project management, or accounting tools that help keep your construction business organized and efficient.

Working capital

Cover payroll, materials, and operating costs, and keep your construction business running smoothly between payments.
Qualifications

Who qualifies for an IOU business term loan?

Getting funding should not feel out of reach. If you run a construction business with steady revenue and at least a year in operation, you could be a great fit.

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1 year in business or more

We support businesses with established operations and a clear understanding of their client base.

$10,000 or more in monthly revenue

A clear picture of monthly income helps us structure a loan that fits your business comfortably.

A personal credit score of 630 or higher

We work with construction business owners across a wide range of scores.

Get your funding, fast

Secure your construction business funding in 3 simple steps.

Accessing capital shouldn’t be complicated. IOU Financial makes it easy for construction business owners to get the working capital they need—without slowing down operations. Our quick, guided process helps you move from application to approval in just a few days.

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Ready to accelerate your business?

Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.

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