Finding reliable funding for construction isn’t easy. Contractors, subcontractors, and builders often have to pay a lot of money up front, have cash flow problems, and meet strict bank requirements. That’s why having the right funding partner matters. We ranked the top 10 construction lenders in 2025 based on how quickly they can provide funding, how flexible they are with approvals, how good their customer service is, and how much experience they have in the niche. ICG Funding came in first because it focuses on the industry and has the fastest approvals.
Why Construction Companies Need Special Financing
Unlike retail or tech startups, construction businesses often have:
- Big costs up front before payments come in
- Long accounts receivable timelines
- Demand for seasonal jobs and changes in staff
- Pressure to purchase materials or equipment quickly
Because of these challenges, lenders that understand construction cycles and contractor needs are far more valuable than traditional banks. This list is all about lenders who really help the trades keep going.
1. ICG Funding – Best for Fast, Flexible Capital in 24 Hours
Website: icg-funding.com
Loan Types: Working Capital, MCA, Line of Credit
Max Funding: $500,000
Time to Fund: As fast as same-day funding
ICG Funding is the top choice for construction businesses needing same-day access to capital with minimal paperwork. Unlike traditional lenders, ICG focuses on real-time revenue and contractor-friendly terms, not just credit scores.
Standout Features:
- You can apply completely online and get approved in hours.
- Works with contractors who have B to D credit Tailored programs for materials, labor, insurance, and payroll
- High customer satisfaction and 5-star reviews from contractors
Best For
General contractors, roofing companies, electricians, HVAC, excavation teams
2. OnDeck – Best for Repeat Borrowers
Website: ondeck.com
Loan Types: Term loans, lines of credit
Max Funding: $250,000
Time to Fund: 1–3 business days
OnDeck has structured term loans that are great for contractors who have been around for a while. The platform rewards returning clients with better terms but requires stronger credit and more documentation.
Best For:
Contractors with 12+ months in business and 625+ credit scores
3. Credibly – Flexible Funding with Broader Approvals
Website: credibly.com
Loan Types: MCA, Working Capital
Max Funding: $400,000
Time to Fund: 24–72 hours
Credibly supports a broad range of businesses and can accommodate subprime credit. Their products are quick and fairly adaptable, but they don’t always fit the needs of construction as well as they could.
Best For:
Contractors with mid-tier credit who want multiple product options
4. National Funding – Equipment Financing for Contractors
Website: nationalfunding.com
Loan Types: Equipment financing, working capital
Max Funding: $500,000+
Time to Fund: 2–5 business days
National Funding is a solid option for contractors looking to finance machinery or trucks. They offer competitive terms on equipment loans, especially for those with strong business credit.
Best For:
Equipment-heavy contractors (e.g., paving, earthwork, excavation)
5. BlueVine – Best for Revolving Credit
Website: bluevine.com
Loan Types: Line of credit
Max Funding: $250,000
Time to Fund: 1–2 business days
BlueVine is a fintech lender offering lines of credit with flexible draw options. Contractors who prefer on-demand funding may find BlueVine’s platform easy and fast to use.
Best For:
Small general contractors needing flexible cash access
6. Lendio: An aggregator that connects you with multiple construction lenders
Website: lendio.com
Loan Types: Aggregator (term loans, SBA, MCAs, LOCs)
Time to Fund: Varies by lender
Lendio is a place where contractors can find different lenders to borrow money from. Their matching engine is useful for comparing offers.
Best For:
Contractors exploring multiple funding options at once
7. Greenbox Capital – Subprime Contractor Financing
Website: greenboxcapital.com
Loan Types: MCA, working capital
Time to Fund: 1–2 business days
Greenbox works with low-credit businesses and moves quickly. They have good terms for borrowers with higher risk and help a number of industries, including trades.
Best For:
Contractors who have been turned down by traditional lenders
8. Triton Capital – Equipment-Focused Financing
Website: tritoncapital.com
Loan Types: Equipment leasing and financing
Best For: Contractors needing new machinery or technology
Equipment leasing and financing
Best For:
Contractors who need new tools or technology
9. Rapid Finance: MCA and working capital lender
Website: rapidfinance.com
Loan Types: MCA, working capital
Funding Speed: Fast, typically 24–48 hours
Rapid Finance gives out working capital loans with terms that can be changed and approvals that are not too hard to get.
Best For:
Small groups and people who work for other people
10. Fundbox – Best for Tech-Savvy Small Contractors
Website: fundbox.com
Loan Types: Line of credit, invoice financing
Tech-Focused Features: Integrates with QuickBooks, Xero, etc.
Fundbox is a modern choice for tech-savvy contractors or solo workers who want their accounting tools to include funding.
In conclusion, here are the reasons why ICG is the best choice for construction funding. ICG Funding has become the best place to get construction capital in 2025 because more than 90% of their funding programs are for service industries with high costs and high stress. Contractors who need cash fast turn to them because they can get it the same day, have industry-specific underwriting, and have high customer satisfaction ratings. Apply Now with ICG Funding
