Construction businesses face unique financing challenges: long project cycles, delayed client payments, equipment costs, and labor expenses that don't wait for invoices to be paid.
Contractors and construction firms operate in one of the most capital-intensive industries. A single project can require upfront investment in materials, labor, equipment rental, and permits — often months before payment arrives. Traditional banks struggle to understand the nuances of construction cash flow, leaving many contractors underfunded at critical moments. GrowthX Capital understands the construction cycle: we know that payment typically comes upon project completion, that equipment is essential but expensive, and that successful contractors reinvest in their fleet and crew constantly. We've funded hundreds of construction businesses and understand what it takes to keep projects moving.
We offer financing products designed for the realities of construction. Equipment financing allows you to acquire the machinery you need without draining working capital. Invoice financing helps bridge the gap between project completion and client payment. A line of credit gives you a safety net between projects. And our SBA and term loan products can provide the lump sum capital needed for major expansions or fleet purchases.
Many contractors receive approval within 24–48 hours of submitting complete documentation. For invoice financing, funding can be available within 24 hours of invoice verification.
Yes. We finance both new and used construction equipment. The equipment's condition, age, and expected remaining useful life factor into our approval and terms.
Absolutely. We can structure financing around specific contracts or projects, understanding that construction revenue is often project-based and lump-sum.
Invoice financing allows you to get paid now, even if your client takes 60–90 days. We advance up to 90% of the invoice value within 24 hours of verification.
We prefer businesses with 6–12 months of operating history, but we evaluate startups on a case-by-case basis, particularly for equipment that holds its value well.
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