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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Bridge Loan · 2026

Construction Bridge Loan — Cover the Draw Gap

Short-term capital to span the wait between progress draws and milestones — so the build keeps moving while the money catches up.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Constructionspecialist
No collateralfor working capital

See how much your construction business qualifies for

$25K to $5M in revenue-based capital for construction — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: A construction bridge loan is short-term capital that covers the gap between progress draws or milestone payments. You draw funds now to keep the build moving and repay when the draw or payment arrives. Construction Capital Advance bridges from $25,000 to $5,000,000, on FICO 500+, underwritten on deposits, funded in as little as 24 hours.

When a construction bridge fits

Timing gaps a bridge loan spans for construction firms. All available through Construction Capital Advance.

GapWhat the bridge coversSpeed
Between progress drawsPayroll and materials to keep building24 hours
Awaiting milestone paymentWork up to and through the milestone24 hours
Retainage held to closeoutCash locked until the job finishes1-2 days
Change-order delayCosts while a change order is approved1-2 days
Project payout pendingCosts until the final check clears1-3 days

Why builders bridge with us

  • Underwritten on deposits, not the draw schedule
  • Short-term structure matched to milestones
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay when the draw or payment lands
  • Keeps the build on schedule

What you need to apply

  • US-based construction business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What is a construction bridge loan?
Short-term capital that covers the gap between progress draws or milestone payments, repaid once the expected draw or check arrives.
How is it different from mobilization funding?
Mobilization funds the start of a project; a bridge covers timing gaps during the project, like the wait between draws. Both are available.
Do I need the contract or draw schedule to qualify?
No — approval is based on your bank deposits and revenue, which keeps it fast.
How fast can I get funded?
Most approvals fund within 24 hours; some take 1-2 days.
Can it cover retainage?
Yes — a bridge can cover cash tied up in retainage held until closeout.

Bridge your next draw

Apply in 5 minutes with a soft credit pull. Keep the build moving while the money catches up.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Bridge financing is subject to approval and is not a contract- or bond-backed product. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose us

Fast revenue-based capital that fits construction cash-flow gaps — draws, retainage, mobilization, equipment.

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Built for construction

GCs, subs, and every trade — grading, demolition, concrete, roofing, framing, and more.

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Funded in 24 hours

Fund a draw gap, buy materials, or make payroll — decision in as little as 4 hours.

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Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your construction business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute