Industry Solutions
Project Capital for Builders and Contractors
Bridge the gap between project costs and client payments. Equipment financing, payroll coverage, and working capital built for the construction cycle.
Check Your EligibilityOverview
Construction Business Funding
Construction businesses live on a delayed-payment cycle that creates constant capital tension. You purchase materials, pay subcontractors, and cover equipment costs weeks or months before receiving progress payments or final invoices. A single large project can tie up hundreds of thousands in working capital, and taking on additional jobs without adequate funding means stretching resources dangerously thin.
Granton Hale Capital understands the project-based nature of construction finance. We evaluate your business based on contract backlog, accounts receivable, and revenue history — not just your credit score. General contractors, specialty trades (HVAC, plumbing, electrical), and commercial builders all face the same core challenge: funding the gap between project expenses and client payment. Our solutions are structured around that reality.
We've funded contractors for heavy equipment purchases, bridge capital between progress payments, bonding support, and fleet expansion. Our decision speed — typically under 6 hours — means you can bid on new projects knowing your funding is in place, rather than turning down work because of cash-flow constraints.
Challenges
Industry Pain Points We Solve
Progress Payment Delays
Net-30 to Net-90 payment terms on commercial projects mean you're financing labor and materials for months before receiving payment. Change orders and inspection delays push timelines even further.
Equipment Acquisition Costs
Heavy equipment — excavators, cranes, concrete pumps, skid steers — costs $50K to $500K+ per unit. Renting erodes margins over time, but purchasing requires capital most contractors don't have liquid.
Seasonal and Cyclical Revenue
Weather-dependent trades can see revenue drop 40–60% during winter months while insurance, equipment payments, and key employee salaries continue at full cost.
Bonding and Insurance Requirements
Winning larger contracts often requires surety bonds and increased insurance coverage — both of which tie up capital or require financial statements that reflect liquidity you may not currently have.
Solutions
Funding Options for Your Business
We match you with the funding product that best fits your industry and specific needs. View all solutions
Equipment Financing
Finance heavy equipment, vehicles, and tools with terms matched to the asset's useful life. Keep capital free for operations while building equity in your fleet.
Working Capital
Cover payroll, materials, and subcontractor costs between progress payments without depleting your operating reserves.
Lines of Credit
Maintain a revolving credit facility to draw on for project costs as needed, paying interest only on deployed capital.
Invoice Factoring
Convert outstanding invoices from completed work into immediate cash rather than waiting 30–90 days for general contractors or developers to pay.
Use Cases
How Our Clients Use Funding
Fund Materials for a New Project
Purchase lumber, concrete, steel, and supplies upfront for a new contract without waiting for the first progress payment.
Add Equipment to Your Fleet
Finance excavators, dump trucks, or specialty tools to take on larger or more diverse project types.
Cover Payroll Between Payments
Keep crews paid and working when progress payments from GCs or developers are delayed by inspections or change orders.
Bid on Larger Contracts
Demonstrate the financial capacity to win bonded commercial projects that require proof of capital and liquidity.
FAQ
Frequently Asked Questions
Can I get equipment financing for used construction equipment?
Yes. We finance both new and used equipment including excavators, loaders, dump trucks, cranes, and specialty tools. For used equipment, we evaluate the asset's remaining useful life and fair market value as part of the underwriting.
Do you work with subcontractors or only general contractors?
We fund both. Whether you're a GC managing multi-million-dollar projects or a specialty subcontractor (electrical, plumbing, HVAC, concrete), we evaluate your business based on your contract backlog, receivables, and revenue history.
How quickly can I get funded for a new project?
Most construction funding decisions are made within 6 hours of receiving your application and supporting documents. Capital can be deposited within 24–48 hours, allowing you to mobilize quickly for new contracts.
Can I use funding to cover bonding requirements?
While we don't issue surety bonds directly, our working capital and lines of credit can strengthen your balance sheet and liquidity position, which bond underwriters evaluate when setting your bonding capacity.
Ready to Get Funded?
30-second application. No hard credit pull. Decisions in as little as 3 hours.
Check Your Eligibility