Construction
Funding that moves as fast as your crew.
Fast funding for construction businesses in Florida. Apply in 60 seconds.
Why Construction Businesses Need Funding
The real challenges construction owners face
Material Costs Due Before Invoice Pays
You buy materials on day one. The client pays the invoice on day 90. That gap is where construction businesses get squeezed.
Equipment Maintenance and Replacement
When a piece of heavy equipment breaks on a job site, there's no choice — fix it or rent it. Both cost money you may not have on hand.
Payroll Between Projects
Keeping your crew employed between projects means paying salaries before the next contract funds. Losing a trained crew is more expensive than a short-term loan.
Bonding and Insurance Requirements
Landing larger commercial contracts requires performance bonds and elevated insurance coverage. These require capital upfront before any revenue arrives.
Luma Funding Options for Construction
The right product for the right moment
Equipment Financing
Up to $500K
Finance excavators, lifts, and fleet vehicles with the equipment as collateral.
Learn More →Business Loans
$10K–$500K
Fixed-term capital for bonding requirements, insurance deposits, or expansion.
Learn More →My excavator went down mid-project and I couldn't afford the downtime. Luma funded a replacement in 48 hours. The job finished on time and the client never knew.
Marco T.
General Contractor
Tampa, FL
$75K equipment financingof contractors cite payment delays as top challenge
average invoice payment cycle in construction
average Luma funding time
FAQ
Questions about funding your construction business
Yes. Cash advances and lines of credit are commonly used to bridge material costs while waiting for project deposits or milestone payments.
Yes. Luma requires a valid contractor's license and evidence of active business operations. General liability insurance is also required.
Yes. Used equipment in good working condition qualifies. We may request an inspection or appraisal for equipment over 10 years old.
Yes. Electrical, plumbing, HVAC, and other specialty subcontractors qualify with the same requirements as general contractors.
Florida's construction market is active year-round, but weather and permitting can cause gaps. Luma looks at trailing 12-month averages when evaluating revenue.
Get funded for your construction business
Florida's fastest funding for construction owners. Apply in 60 seconds.