Construction Business Loans

Financing built for construction companies.

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Your Construction Banking Partner

Whether you’re a general contractor, excavation company, electrician, plumber, roofer, or commercial builder, Cape & Coast Bank understands the financial demands of the construction industry. From equipment purchases to working capital, we’re here to help you build with confidence.

Why Construction Companies Choose Us

  • Local lending decisions with faster turnaround
  • SBA Preferred Lender with competitive financing options
  • More than 100 years serving Massachusetts businesses
  • Relationship managers who understand construction businesses

Financing Solutions Designed for Contractors

  • Equipment loans for heavy machinery and vehicles
  • Working capital lines of credit
  • Commercial construction financing
  • SBA loans for business expansion
  • Commercial real estate financing
  • Business checking and cash management

Construction Financing Solutions

We offer financing options built around the way contractors operate—from bidding projects to purchasing equipment and managing payroll.

Equipment Financing

Purchase the equipment you need without tying up working capital.

  • Excavators
  • Loaders
  • Dump trucks
  • Trailers
  • Compact equipment
  • Fleet vehicles

Working Capital & Lines of Credit

Bridge the gap between project expenses and customer payments.

  • Payroll support
  • Material purchases
  • Seasonal cash flow
  • Project mobilization
  • Bid preparation costs

Commercial Construction Loans

Finance new construction, renovations, and commercial development projects.

  • Owner-occupied buildings
  • Commercial developments
  • Renovations
  • Expansion projects
  • Construction-to-permanent financing

SBA Financing

Flexible financing backed by SBA programs.

  • SBA 7(a)
  • SBA 504
  • Business acquisitions
  • Equipment purchases
  • Real estate financing

Financing for Every Type of Contractor

Whether you’re just getting started or managing multiple crews, we provide banking solutions that helps your business grow.
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Business Checking

Manage payroll, vendors, and daily operations with business checking built for contractors.

 
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Cash Management

Improve cash flow with ACH payments, remote deposit, fraud protection, and online banking.

 
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Commercial Mortgages

Purchase or refinance your office, warehouse, shop, or commercial property.
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Business Credit Cards

Manage project expenses while earning rewards on everyday business purchases.

Ready to Build Your Business?

Our business banking team understands construction businesses and can help you find financing that works for your next project.

 

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Meet Our Business Team

Connect with local lenders who understand construction.
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Online Business Banking

Access your accounts anytime, anywhere.
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Visit a Local Branch

Stop by one of our Cape Cod locations to discuss your financing needs.
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Partner with a Bank That Understands Construction

When projects move quickly, you need a banking partner that can move with you. Cape & Coast Bank combines local decision-making with personalized service to help construction businesses finance growth, manage cash flow, and invest in the future.

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Construction Financing Questions, Answered

Common questions about lines of credit, equipment financing, and SBA loans for construction businesses in Massachusetts.

Yes. SBA loans can help finance equipment purchases, working capital, commercial real estate, business acquisitions, and expansion projects. Eligibility depends on your business size, financial history, and intended use of funds.

Construction businesses commonly use equipment loans, business lines of credit, SBA loans, commercial mortgages, and working capital financing to hire employees, purchase equipment, expand facilities, or take on larger projects.

Lenders typically review your business financial statements, tax returns, project backlog, cash flow, and credit history. Having organized financial records and a clear plan for how you’ll use the funds can help streamline the process.