From equipment financing to project-based working capital, PeerSense connects construction businesses with the capital they need to bid bigger, build faster, and grow stronger.
Contractors and developers stack equipment financing (5–9%, 100% LTV on excavators + cranes), SBA CAPLines for revolving credit against contract backlog ($50K–$5M), construction loans for ground-up (7–10%, 75–80% LTC), fix-and-flip for residential rehab (9–13%), and working capital for payroll + bonding. Data center and infrastructure trades are seeing the most aggressive lender pricing.
— PeerSense Capital Advisory · Updated April 27, 2026
As of
| Program | Current Rate | Term |
|---|---|---|
| Equipment Financing | 5–9% | 3–7 yr |
| SBA CAPLines | Prime + 2.75–3.00% | Revolving |
| Construction Loans | 7–10% | 12–36 mo |
| Fix & Flip | 9–13% | 6–18 mo |
| Working Capital | Factor 1.15–1.45 | 3–18 mo |
| Business Acquisition | 9.25–10.25% | 10 yr |
Indicative May 2026 ranges. Pricing depends on bonding capacity, backlog, equipment age, and sponsor experience.
Why Contractors + Developers Pick PeerSense
Archetypes our equipment + SBA + construction-loan desk underwrites.
Standby seller note credited as equity — minimizes buyer cash injection
Capital stack engineered around investment-grade tenant pre-lease and PPA
Structured to capture Section 179 / bonus depreciation in current tax year
Indicative of deal types our institutional capital advisory desk structures. Not a representation of completed transactions. Specific deal data available under NDA on request.
Updates instantly · Estimates only · Talk to PeerSense for committed pricing
Equipment lender shortlists, ground-up financing, and specialized contractor scenarios.
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
Up to $5M acquisition / real estate / equipment, 10% down
10-yr non-recourse fixed, $5M–$500M+, fully assumable
12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
30-yr fixed rental, qualifies on property cash flow
Loan, lease, SBA 504, vendor, captive — Section 179 eligible
CMBS + SBA 504 + bridge + PIP across all flags
Subordinate to senior, $1M–$50M, capital stack fill
Non-bank flexibility, unitranche, recap, transitional
B2B receivables, trucking / staffing / construction / govt
PeerSense connects construction contractors with equipment financing for excavators, loaders, dump trucks, cranes, and specialty tools. Lenders evaluate equipment quality, operator experience, and deal structure — not just credit score alone.
Track excavators, wheel excavators, mini excavators, backhoes
Mobile cranes, tower cranes, rough terrain cranes, boom trucks
Bulldozers, graders, loaders, compactors, pavers, rollers
Dump trucks, concrete mixers, flatbeds, service trucks
Concrete pumps, pile drivers, trenchers, aerial lifts, scaffolding
Generators, compressors, welders, power tools, small equipment
Equipment quality and deal structure drive approval for credit-qualified contractors
Decisions in 24–48 hours for equipment under $250K
Rates from 6–12% depending on credit profile and equipment type
Finance or lease terms up to 7 years based on equipment life
Visit our dedicated Construction Equipment Financing page for detailed information on heavy equipment, light equipment, fleet financing, and challenged credit options.
View Construction Equipment OptionsSBA-backed revolving credit line for general contractors constructing or rehabbing property for resale. Up to $5M with 10-year maturity.
SBA-backed financing specifically designed for general contractors constructing or rehabbing property for resale
Draw funds as needed for each project, repay when property sells, then reuse the line for the next project
Maximum line amount of $5M with SBA guarantee backing the lender
Long-term revolving structure with up to 10-year maturity on the line
Build single-family or small multifamily homes for resale
Renovate commercial properties for resale or lease-up
Purchase and renovate residential properties for quick resale
Develop raw land into finished lots for sale to builders
The SBA Builders CAPLine is a revolving line of credit that allows general contractors to draw funds for construction or rehab projects, repay when the property sells, and then reuse the line for the next project. It's designed specifically for contractors building or renovating property for resale, not for owner-occupied projects.
Short-term financing for ground-up construction and major renovations. $250K to $50M with up to 90% loan-to-cost on qualified projects.
New construction from the ground up. Commercial, multifamily, mixed-use, industrial.
Substantial rehab of existing structures. Gut renovations, adaptive reuse, repositioning.
Cosmetic updates, tenant improvements, minor structural work.
Pay only interest during construction, principal due at completion or refinance
Funds released in stages as construction milestones are completed
Non-recourse available on select programs for experienced developers
Foreign national borrowers accepted on select construction programs
Fast-close residential rehab financing from $50K to $10M. Up to 90% of purchase price plus 100% of rehab costs. Close in 7–14 days.
7–14 days from application to funding on most deals
Finance residential fix-and-flip projects from $50K to $10M
Finance up to 90% of purchase price plus 100% of rehab costs
Flexible 6–18 month terms with interest-only payments
Most common fix-and-flip property type
2–4 unit properties for renovation and resale
Urban and suburban residential units
Small retail or mixed-use properties on select programs
Bridge the gap between project costs and payment milestones. Fast funding for material costs, payroll, bonding support, and seasonal cash flow needs.
Bridge the gap between material purchases and milestone payments
Cover labor costs while waiting for draw requests or project completion
Strengthen balance sheet to qualify for larger performance bonds
Secure equipment for upcoming projects before payment arrives
Fund upfront costs to secure and start new projects
Manage cash flow during slow seasons or weather delays
Working capital is faster (24–72 hours vs. 45–90 days) but more expensive. Use it for immediate needs. Use SBA for larger, longer-term working capital needs where you can wait for approval.
View Working Capital OptionsIf you have accounts receivable from completed work or equipment on your balance sheet, you may qualify for an asset-based line of credit with better terms than unsecured working capital.
Learn About Asset-Based LendingBuy a construction company, specialty contractor, or buy out a partner using SBA 7(a) financing. 10% down, 10-year term, finance goodwill and working capital.
Acquire an established GC with existing contracts, equipment, and workforce
Buy electrical, plumbing, HVAC, or other specialty contracting businesses
Buy out a business partner in an existing construction company
Acquire a competing contractor to expand market share or capabilities
The SBA 7(a) program is the most common financing tool for buying an existing construction business. Here's why:
SBA 7(a) requires only 10% down for business acquisitions
Fully amortizing 10-year repayment keeps monthly payments manageable
SBA allows financing of intangible value, not just hard assets
Can include working capital in the acquisition loan
SBA 7(a) loans are the most common way to finance a business acquisition. Visit our SBA Loans page to learn more about the program, qualification requirements, and how PeerSense can help you navigate the process.
View SBA Loan OptionsRate estimates as of March 2026. Actual rates depend on borrower profile, collateral, and deal structure.
| Loan Type | Best For | Range | Est. Rate | Term | Max LTV |
|---|---|---|---|---|---|
| Equipment FinancingTOP PICK | Excavators, cranes, dozers, concrete equipment | $25K–$10M | 5–9% | 3–7 yr | 100% |
| SBA CAPLines | Revolving credit for contract-based cash flow | $50K–$5M | 9.25–10.25% | Revolving | N/A |
| Construction Loans | Ground-up development, spec builds | $500K–$50M | 7–10% | 12–36 mo | 75–80% LTC |
| Fix & Flip | Residential rehab, quick-turn projects | $75K–$5M | 9–13% | 6–18 mo | 85–90% LTC |
| Working Capital | Payroll, materials, bonding support | $5K–$500K | Factor 1.15–1.45 | 3–18 mo | N/A |
| Business Acquisition | Buying a construction company | $250K–$5M | 9.25–10.25% | 10 yr | 90% |
PeerSense is a capital connector only — not a lender. Rates are estimates; actual terms vary by lender.
Current market intelligence from our lender network — not generic advice.
Bonded and insured — surety bonding capacity demonstrates financial stability and is required for most commercial and government contracts
Backlog of signed contracts — a strong pipeline of contracted work proves revenue visibility — lenders underwrite against committed revenue, not projections
Equipment with remaining useful life — well-maintained equipment with documented service records serves as strong collateral for equipment loans
3+ years in business with clean financials — construction businesses with CPA-prepared financials and consistent profitability get the best terms
Specialization in high-demand trades — electrical, plumbing, HVAC, and data center construction contractors are seeing strong lender appetite in 2026
Government contract experience — federal and state contract history opens SBA 8(a), HUBZone, and CAPLine programs
No bonding capacity — contractors without surety bonds face limited options for both financing and winning commercial projects
Concentration in a single client — if 50%+ of revenue comes from one customer, lenders view the business as high-risk
Unresolved mechanic's liens — outstanding liens signal cash management problems and create title issues that block real estate financing
Negative working capital — construction businesses that consistently outspend their contract draws are risky to lenders
No CPA-prepared financials — self-prepared financial statements are insufficient for most equipment and SBA lenders above $250K
Equipment financing for construction is one of the fastest-moving segments in 2026. Lenders are competing aggressively for quality contractors with strong backlogs — approvals in 24-48 hours are common for established operators. SBA CAPLines remain underutilized: most contractors do not realize they can get a revolving line of credit against their contract backlog. Data center and infrastructure construction contractors are seeing especially strong demand from equipment lenders.
Run a Free Deal Scan on Your Construction Business
Get an instant DSCR estimate, LTV check, and product recommendation in under 60 seconds.
Finance heavy equipment, vehicles, and machinery
SBA 7(a), 504, and CAPLines for contractors
Short-term rehab financing for residential projects
Short-term capital for construction and development
Cover payroll, materials, and bonding costs
Instant qualification check on your construction deal
Common questions about construction business financing
PeerSense identifies the right capital source from our network of 500+ lenders, private equity firms, and institutional advisors — and makes the introduction. You get a straight assessment of where your deal fits and a direct connection to the source most likely to close it.
Whether you need equipment financing, working capital, or project funding, we'll connect you with the right capital structure for your construction operation.
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