Funding for Construction
From breaking ground to the final retention check, construction runs on capital that arrives long before the invoice clears. Lúmen funds contractors, subs, and builders for the gap between mobilizing a job and getting paid.
What construction businesses are up against
Pay-when-paid timing
You front labor, materials, and equipment for weeks before progress billings — let alone retainage — actually land in your account.
Bonding & bigger bids
Taking on larger contracts means proving you have the working capital to staff and supply them before the first draw.
Equipment downtime
A broken excavator or skid steer can stall an entire job; replacing or repairing it can't wait for the next payment cycle.
Seasonal swings
Weather and the project calendar create feast-or-famine cash flow that standard monthly payments don't accommodate.
Funding solutions for Construction
These products fit how construction businesses actually operate. Explore each in detail.
How we help construction
Common use cases
- Bridge progress billings and retainage on active jobs
- Buy materials in bulk ahead of a price increase
- Finance or repair heavy equipment without downtime
- Make payroll for crews between draw payments
“Lúmen factored our progress invoices so we could take on a municipal contract twice our usual size. We staffed up without ever sweating payroll.”
Do you qualify? Most construction businesses with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score can qualify. Checking your offers takes about five minutes and won't affect your credit score.
Fund your construction business
Tell us your goal and a funding advisor will match you to the right product — usually within minutes. Apply with no impact to your credit score.