As a contractor or builder, you know how important it is to choose the right person for the job. Putting your plumber on the roof wastes everyone’s time and talents. The same is true for financing. Turning to traditional lenders for working capital slows your business and saddles you with a banker who doesn’t understand your industry. Instead, get a roofer up the ladder and a lender who designs funding for construction businesses.
Fintech lenders are some of the best business loan companies for contractors. They offer quick and flexible products, and their teams have experience financing construction businesses. You can apply in minutes, receive funding as fast as the same day, and get access to capital designed to meet your business needs.
Consider these five leading fintech lenders to pick the right provider for your job.
1: Cardiff: Best for Small Construction Businesses
Cardiff specializes in fast, small business lending. They use a simple application and an intelligent underwriting process to decide your loan status in minutes and provide you with funds the same day.1 Whether you need a working capital loan, equipment lease, or business line of credit, Cardiff has the speed to meet even your most urgent financing needs.
They also understand that small businesses need more than speed from their lenders. Cardiff’s team of financial professionals uses its experience with contracting and construction loans to customize your repayment schedule. Depending on your revenue cycle, you can use fixed daily, weekly, or monthly payments or revenue-based financing to pay for your working capital.1
Their team also offers small businesses the support they need to grow. Cardiff assigns loan advisors to each borrower and partners with other platforms focused on entrepreneurship, like The Real Business Growth Summit.2 For contractors trying to scale their business, Cardiff provides the expertise, backing, flexibility, and speed to foster growth.
2: Fundbox: Best for Newer Contractors
When you need to secure funds after your first quarter in business, turn to Fundbox. They only require three months of operating history to qualify for financing.3 Fundbox syncs with your accounting software and checking account to understand your cash flow patterns rather than focusing on your credit score.4
Their setup is ideal for builders waiting on job completion payments who still need to cover expenses. Fundbox offers decisions within hours and up to $250,000 in a short-term loan or credit line as soon as the next day.3 Repayment terms are clear and straightforward so that you can focus on your business.
3: Bluevine: Best for a Flexible Credit Line
Bluevine is a great choice if you need a revolving line of credit. You can borrow up to $250,000, only pay interest on the amount you use, and draw funds as needed through their online portal.5 Bluevine also uses a streamlined application process that considers your banking activity, revenue, and identification, so you can quickly apply and hear back from them.
If your contracting business experiences regular payment delays or unpredictable costs, consider a business line of credit through Bluevine. With a same-day funding turnaround, you can stock up on materials before a big project or cover crew wages while waiting for unpaid invoices.
4: National Funding: Best for Business Expansion
Expanding your building services is expensive and complicated to finance through traditional lenders. But National Funding offers loans up to $500,000 to contractors who’ve been in business for at least six months—even if their credit scores aren’t perfect.6
When you apply to National Funding, their team works directly with you to structure your financing according to your needs.7 You can contact your funding specialist whenever you have questions or problems. With their flexibility, expert support, high capital limits, and reasonable qualifications, National Funding is a go-to platform for builders looking to grow.
5: Credibly: Best for Loan Varieties
Credibly offers funding products from working capital loans and merchant cash advances to equipment financing and long-term business loans.8 When you don’t know what financing will meet your needs, you can find the most options with this fintech lender.
You don’t have to have an ideal credit file to qualify, either. Credibly cares more if your business brings in a solid monthly income and you have at least six months of operating history to offer you fast business loans.9 Their generous qualifications open the door for contractors to choose from various funding products.
Pick the Right Provider for Your Business
From flexible business line of credit providers to top small business loan companies, these fintech lenders design products and services for contractors and builders. So, how do you pick the right one for your business? Here’s what to look for when evaluating fintech lenders:
- Speed and Ease of Funding – Does the lender offer approvals and disbursements fast enough for your projects?
- Repayment Flexibility – Can the loan terms align with your seasonal or project-based revenue?
- Industry Experience – Does the lender understand construction business models and cash flow patterns?
- Loan Types And Amounts – Do they offer the kind of capital you need (working capital, equipment loans, credit lines)?
- Credit Requirements – Does the lender evaluate your revenue and overall financial health rather than just your credit history?
- Reputation – What do other business owners say? Does the platform have high satisfaction scores and positive customer reviews?
Keep Building
Fintech has completely changed the way contractors access capital. Instead of waiting weeks for paperwork to crawl through traditional channels, modern platforms give you speed, flexibility, and tools that actually fit the way you work.
While each lender brings its own strengths, the real advantage lies in choice. Contractors no longer have to settle for one-size-fits-all financing. Fintech makes it possible to match your funding strategy to your business strategy, whether that means covering payroll during a busy season, investing in new equipment, or scaling up to take on larger contracts.
No matter which platform you choose, tapping into fintech solutions means you can move fast, stay nimble, and keep building without losing momentum.
1https://cardiff.co/business-loans/products/merchant-cash-advance/
2https://www.wfmj.com/story/52829985/cardiff-sponsors-real-business-growth-summit-empowering-entrepreneurs-to-scale-smarter
3https://fundbox.com/
4https://help.fundbox.com/s/article/How-are-credit-limits-determined
5https://www.bluevine.com/business-loans/line-of-credit
6https://www.nationalfunding.com/
7https://www.nationalfunding.com/industries/loans/construction/
8https://www.credibly.com/
9https://www.credibly.com/fast-business-loans/