Need a commercial construction loan in Fort Collins? Driftwood Advances brokers SBA 7(a), equipment financing, working capital lines, and invoice factoring tailored to contractors and builders.
Fort Collins construction firms juggle permit delays at the city planning office, weather windows that close fast along the Front Range, and subcontractor invoices that arrive before the owner pays the draw. Most commercial construction projects require upfront capital for site prep, materials delivery, and payroll before the first milestone payment clears. Traditional bank construction loans often take ninety days to close, which means you lose bids or delay mobilization. A broker finds lenders who underwrite on project contracts and equipment value, not just balance-sheet history, so you move dirt while your competitors wait for committee approvals.
Loan programs
SBA 7(a) loans, equipment financing, and invoice factoring cover the three pressure points in construction cash flow: acquisition, mobilization, and receivables. An SBA 7(a) loan funds the purchase of a bobcat, excavator, or crane with ten-year amortization. Equipment financing secures a skid-steer or concrete pump against the asset itself, often closing in two weeks. Invoice factoring turns your outstanding AIA G702 draws into same-week working capital, so payroll clears even when the property owner is slow. A business line of credit covers material deposits at lumber yards along Riverside Avenue or rebar orders from local suppliers without tapping your operating account dry.
We ask three questions: What does the project contract say? What equipment do you own? When do you need the cash? Then we submit your file to lenders who specialize in construction trades, compare term sheets, and walk you through the documentation. No branch appointments. No ninety-day underwriting limbo. Most brokers batch applications weekly; we send yours the day you call. That difference matters when you're bidding a commercial remodel in Old Town or a ground-up warehouse in the Vine Drive corridor and the owner wants a signed contract by Friday.
A framing contractor in Wellington won a bid to build four duplexes near the Boxelder Creek trail. The owner required a performance bond, and the bond company wanted proof of working capital. The contractor's bank offered a term loan with a forty-five-day close. We brokered a working capital line secured by accounts receivable and existing equipment, funded in twelve days. The bond issued, the contractor mobilized crews, and framing wrapped before the first snow.
Related programs
Serving the Fort Collins area
We know which lenders fund which kinds of Fort Collins businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
