Capital that breaks ground.
From ground-up commercial builds to heavy equipment, we structure financing that keeps your crews moving and your projects on schedule.
Long Beach is one of Southern California's most active construction markets: Port-of-Long-Beach infrastructure work, civic projects through the City of Long Beach Public Works department, and a steady pipeline of mixed-use, multifamily, and tenant-improvement work across Downtown, Bixby Knolls, and the East Long Beach corridor. Contractors here finance a different mix of projects than the national average: more port-tied logistics buildouts, more seismic retrofit, and more multi-trade general contracting.
We route construction financing across three distinct buckets. Equipment loans cover trucks, lifts, and field equipment with the gear as collateral, usually the fastest path. Commercial construction loans fund actual ground-up and major rehab projects on a multi-draw basis tied to milestones. SBA 7(a) and 504 loans handle owner-occupied yard or office purchases and acquisitions of competing contractors. Working capital lines cover the gap between bonded progress payments and weekly payroll. The right product depends on the contractor's stage and the use of funds.
Most established Long Beach contractors with bonded experience qualify for at least three of those four products. Newer contractors (under three years in business) usually start with equipment financing and a small revolving line, then layer in larger structures as books and bonding capacity grow. We pre-screen lenders specifically for California contractor profiles, including CSLB license verification and surety-bonded operator considerations that general business lenders often miss.
Browse the programs we structure most often for construction operators. Every option starts with a soft credit pull.
Ground-up & renovation projects
Multi-draw financing aligned to your construction schedule with interest-only periods during the build phase.
Excavators, cranes, loaders
Finance new or used heavy equipment with the equipment itself serving as collateral, preserving working capital for jobs.
Own outright after the final payment
Fixed-rate loans designed for contractors who want to build equity in their fleet without leasing handoffs.
Tractors, harvesters & implements
Seasonal-friendly structures tailored to farm cash flow, with deferred payments aligned to harvest cycles.
Mowers, trucks and trailers
Build out your landscaping fleet without draining the off-season reserves, with financing that scales with the seasons.
Specialized programs across every sector we serve.
