Construction Financing

Get the home improvement financing and working capital you need to bid with confidence, manage cash flow gaps, and equip your crew for the next job.

Fuel Your Construction Business with Flexible Financing

At Starting Gate Financial, we live and breathe the unique challenges of the construction industry. We know that tight deadlines, seasonal fluctuations, and rising material costs can strain your cash flow when you least expect it. That’s why we offer specialized startup financing and working capital solutions built specifically for contractors and construction companies. From securing a new skid steer to covering payroll during a delay, we provide the fast, flexible capital you need to operate efficiently and grow your business on your terms.

Equipment Financing & Loans

Acquire new machinery, trucks, or tools without a large upfront cost. Preserve your cash for other critical expenses and bid on bigger projects.

Business Lines of Credit

Your financial safety net for unpredictable costs. Access funds on demand to manage payroll, purchase materials, or handle unexpected repairs.

Home Improvement Financing for Contractors

Offer competitive payment options to your clients or finance your own remodeling and renovation projects. Turn more leads into booked jobs.

oil and gas financing

The Process

Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

Larger Amounts

Get matched with the best financing options with the highest funding amount.

Same Day Funding

Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

Need Answers? Talk to a Business Financing Advisor Today

Our Business Financing experts are here to assist you every step of the way. Whether you’re in search of your initial loan or weighing several alternatives, our experts will assist you in deciding on the perfect option suited to your unique business requirements. From expanding funding potential to obtaining better terms and reduced interest rates, we’re dedicated to your success. We’ll guide you through the entire process—from application to repayment—seamlessly, professionally, and hassle-free. Let’s begin. We’re waiting for you.

24/7 helpline service

We’re always here to take
your call – 24/7/365

Contact Us Today

To learn more about our suite of construction financing options, contact us today. We’ll be happy to provide you with more details about our loans and help you determine which one makes sense for your practice.

What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+months in business.

$5,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $5,000 per month, or $60,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.
Testimonials

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Discover the Success Stories of Clients Empowered by Our Financial Solutions

Frequently Asked Questions (FAQs)

We take a holistic view of your application. While credit is a factor, we strongly consider your business’s health and cash flow. Even with a less-than-perfect score, you may still qualify for the capital you need.

  1. Speed is one of our core advantages. Once approved, we can often provide funding within 24-72 hours, not weeks. We understand that in construction, timing is everything.

Absolutely. Our business lines of credit are perfect for bridging cash flow gaps, including covering payroll during delays between project payments, ensuring your crew always gets paid on time.

Yes. We provide financing for both new and used equipment, from excavators and forklifts to specialized tools, helping you get the vital equipment you need without draining your operating capital.

Unlike traditional banks, our experts specialize in the construction industry. We offer faster decisions, more flexible terms, and a deep understanding of your business’s seasonal and project-based cycles. We speak your language.