“I got denied by Chase and Wells Fargo. Basecamp Funding matched me with three lenders and I had $185K in my account in 48 hours. No BS.”
★★★★★ — Mike R. . General Contractor . Houston, TX
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
Construction Business Loans & Contractor Financing — $10K to $10M+
Basecamp Funding connects contractors, general contractors, and construction companies with over 70 lending partners specializing in construction business loans. Whether you need working capital to bridge payroll between draws, equipment financing for excavators and heavy machinery, a business line of credit for materials and subcontractor deposits, or an SBA loan for shop expansion — we match you with the best rates and terms available.
Solo operators, small crews, and large GCs across electrical, plumbing, HVAC, roofing, concrete, landscaping, framing, flooring, demolition, excavation, and general contracting trust Basecamp Funding to deliver fast, flexible capital. From a $15K equipment repair to a $5M fleet purchase — one 60-second application, no hard credit pull, no minimum credit score.
Most construction loan approvals happen within hours. Same-day funding is available on select products. Stop waiting on banks that don't understand draw schedules, retainage, or seasonal cash flow — let 70+ lenders compete for your business.
Sound Familiar?
Why Contractors Come to Us Instead of Their Bank
You won a $400K municipal job but need $60K to mobilize before the first draw. Your bank wants 3 months of paperwork.
You've got $180K in outstanding retainage across 3 jobs. Cash flow is tight but your P&L shows a loss. Banks see the loss — we see the deposits.
Your excavator blew a hydraulic line mid-job. You need $35K for a replacement this week, not next quarter.
You're running 4 crews but payroll is $28K every two weeks. One late payment from a GC and you're scrambling.
Your bank approved you for a $100K line last year. Now you need $300K for a commercial bid and they won't budge.
You've been in business 14 months. Plenty of revenue, but every bank wants 2 years minimum.
If any of this sounds familiar, you're exactly who we built this for.
Get Your Options →“Applied on a Tuesday, had $65K in my account Thursday morning. My bank would still be asking for paperwork.”
★★★★★ — J.R., General Contractor, Texas
Why Us
Why Contractors Choose Us Over Banks
We built our process around the way contractors actually operate — not the way banks wish you did.
We Understand Draw Schedules
Banks don't get that you need $80K for mobilization before the first draw hits. Our lenders fund against contracted revenue, not just what's in your account today.
We Fund Around Retainage
You've earned the money but 10% is held for 90 days. Banks see a gap. Our lenders see a guaranteed receivable and approve through it.
Seasonal Slowdowns Don't Scare Us
December revenue is half of June. Banks flag declining deposits. Our lenders understand construction seasonality and underwrite based on your annual cycle.
We Fund Multi-Job Cash Gaps
Running three jobs at once means three sets of upfront costs before any draws land. Our lenders evaluate your contract pipeline, not just your bank balance.
Equipment Doesn't Require Quotes
Banks and equipment lenders need appraisals and invoices before they'll fund. We provide working capital you can use for any equipment, any vendor, same day.
Change Orders Won't Stall Your Project
Scope changes mean you're fronting costs before the change order is approved. Our lenders move fast enough to keep your crew working, not waiting.
82% of construction companies report cash flow as their #1 challenge
— U.S. Chamber of Commerce
The average general contractor waits 83 days to receive payment after work is completed
— Levelset Construction Payment Report
Contractors spend $1.3 billion per year in interest costs bridging payment gaps
— Associated General Contractors of America
Free Tool
What Can Your Contractor Business Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Contractors the Most
"Taking an MCA because it was fast"
Daily holdbacks at 40-200% effective APR crush cash flow. A $50K advance can cost $75K+ in total repayment. Speed matters, but not at the cost of your margins.
"Waiting until you're desperate"
The best rates go to businesses that plan ahead. Applying when you're 3 days from missing payroll means fewer options and higher costs.
"Only talking to your bank"
Banks reject 73% of small business loan applications. Their underwriting doesn't account for construction cash flow patterns like retainage, seasonal dips, and draw schedules.
"Not understanding your total cost"
A factor rate of 1.3 sounds cheap until you realize that's 30% on a 6-month term — equivalent to 60% annualized. Always ask for the total payback amount.
"Borrowing too little"
Underfunding a project creates more problems than it solves. If you need $80K, don't take $50K because the payment is lower. You'll be back in 60 days paying more.
“They understood what retainage was without me having to explain it. That alone told me I was in the right place.”
★★★★★ — Mike D., Concrete Contractor, Florida
How We Compare
How We Compare
Not all funding sources are created equal. Here's how we stack up against your other options.
Funding by Size
How We Fund Contractors at Every Stage
Solo Operator / 1-2 Crew
Common Needs
Working capital, equipment financing
24-48 hours
Marco, solo electrician in Phoenix — needed $18K for a panel truck after his van was totaled. Approved in 4 hours, funded next morning.
Small Contractor / 3-15 Employees
Common Needs
Line of credit, working capital, equipment financing
24-72 hours
Rivera Concrete, 8-person crew in Houston — $120K line of credit for payroll and materials. Their bank said no because of a tax return loss. Funded through our network in 3 days.
Mid-Size & Large GC / 15-100+ Employees
Common Needs
Term loans, SBA loans, large equipment financing
1-2 weeks for complex financing
Cornerstone Building Group, 45 employees — $2.2M equipment line for a fleet of excavators and loaders. Traditional bank wanted 60 days. Funded in 12 days through our commercial lending partners.
Funding Built for Your Stage of Growth
Whether you're a solo operator or running a 100-person crew, we match you with the right product and amount.
Growing Businesses
$10K – $500K
Revenue-based funding for working capital, equipment, and growth. Most businesses fund in 1–3 days.
See What You Qualify For →Established Businesses
$500K – $5M
Term loans, SBA loans, and large equipment financing for businesses with $500K+ monthly revenue.
See What You Qualify For →Commercial & Complex Financing
$5M – $10M+
Business acquisitions, commercial real estate, and structured financing. Dedicated commercial lending team.
Request a Financing Review →Pricing Transparency
What Construction Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for construction businesses in our network.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
A single funding specialist calls you with your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Contractors Use Basecamp Funding
Payroll & Operations
Bridge cash flow gaps. Keep crews paid when receivables run 30-60-90 days.
Job Mobilization
Fund upfront costs — materials, permits, equipment rental — before first draw.
Scale & Win Bigger Jobs
Take on larger contracts. Expand territories. Hire key staff.
AI & Technology
Drones, AI estimating, GPS fleet tracking, project management tools.
Equipment & Vehicles
Excavators, dump trucks, skid steers. Finance or lease — all credit profiles.
Marketing & Branding
Truck wraps, websites, Google Ads. Build the brand that wins contracts.
Refinance Costly Debt
Consolidate high-cost MCAs or credit cards into one manageable payment.
Bonding & Insurance
Finance bid bonds, performance bonds, and premiums. Never lose a contract.
Cash Flow Cushion
Build a war chest before you need it. Seasonal dips won't catch you off guard.
“We needed $2.2M for equipment. Banks wanted 60 days. Basecamp closed it in 12. That's the difference.”
★★★★★ — Tom K., GC, 45 Employees, Georgia
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
🚫 These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
✓3 months of bank statements
PDF download or online banking credentials
✓Business checking account
Must be a dedicated business account
✓Valid business license or EIN
Proof your business is registered
✓Government-issued ID
Driver's license or passport
✓Outstanding debt details
Existing loans, MCAs, or credit lines
✓Approximate monthly revenue
Doesn't need to be exact
Don't Wait Until You Need Funding to Get Funded
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling. See what you qualify for now while your numbers are strong.
No credit impact · No obligation · 60 seconds
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Contractors
The most popular funding types for contractors businesses. Each links to a detailed product page.
Working Capital Loans
Bridge mobilization costs, payroll, and material purchases between draws.
View Product Details →Equipment Financing
Finance excavators, skid steers, and dump trucks without draining cash reserves.
View Product Details →Business Line of Credit
Draw funds across multiple active jobs and repay as draws come in.
View Product Details →Invoice Factoring
Turn outstanding retainage and slow-paying invoices into same-week cash.
View Product Details →Financing by Trade
Every construction specialty. Click yours for tailored options.
Need commercial insurance for your contractors business?
Our partner Direct Insurance Services covers contractors businesses across 29 states.
FAQs
Construction Business Loan FAQs
Mike R.
General Contractor | Houston, TX
“Needed $185K for an excavator and a new crew truck. Bank wanted 3 months of paperwork. Basecamp had three offers on my desk in 48 hours. No BS.”
The Only Risk Is Not Knowing What's Available to You
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide