Capital that keeps projects on schedule
Mobilization capital, equipment financing, SBA-backed real estate loans, and lines of credit for construction firms and real estate operating businesses.
Funding for construction & real estate
Construction firms and real estate operating companies have some of the most capital-intensive operations of any small business. You're managing a balance sheet full of equipment, payroll, materials, and receivables — all on project-based timelines that don't always align with your bills.
Fine Point Lending serves general contractors, specialty trades, developers (small to mid-market), and real estate operating businesses (property managers, brokerages, etc.) with the right blend of working capital, equipment, SBA 7(a), SBA 504, and bridge financing.
Challenges we solve for
Mobilization capital
Materials, labor, and equipment on a new job all hit before the first draw. Lines of credit and working capital fill that gap.
Long receivables cycles
Owners and GCs pay on draw schedules and lien-release timing. Factoring and AR-secured lines smooth the curve.
Equipment-heavy balance sheets
Excavators, lifts, dump trucks, and specialty tools get financed on the equipment itself, preserving cash.
Owner-occupied real estate
Buying your own shop, yard, or office building with SBA 504 builds equity instead of paying rent.
Loan products best suited for this industry
SBA 504 Loan
The best long-term financing structure available for owner-occupied commercial real estate — only 10% down with 20-year fixed rates.
Learn more about SBA 504 Loan →SBA 7(a) Loan
Long-term financing for acquisitions, working capital, and mixed-use projects.
Learn more about SBA 7(a) Loan →Equipment Financing
Heavy equipment, fleet vehicles, and specialty tools financed on the asset.
Business Line of Credit
Mobilization capital and bridge funding tied to project schedules.
Learn more about Business Line of Credit →Working Capital Advance
Fast bridge funding for surge work, materials draws, or payroll between progress payments.
Learn more about Working Capital Advance →Qualifications at a glance
- Time in business
- 1+ year for working capital · 2+ years for SBA
- Minimum monthly revenue
- $25,000+ typical for SBA-eligible operating companies
- Personal credit score
- 650+ recommended for SBA
- Documents commonly requested
- License, recent project schedule and AR aging, bank statements, last 2 years of business tax returns
Common use cases
Buying your shop or yard
SBA 504 with 10% down, fixed rates, and 20+ year terms.
Adding equipment to chase larger bids
Equipment loans structured around the asset's useful life.
Mobilizing on a large commercial job
Working capital advance or line of credit to pre-fund materials and payroll.
Acquiring a competing firm
SBA 7(a) for acquisition financing with long amortization.
"First time financing a commercial property. The SBA 504 process is complex, and my Fine Point advisor made it manageable."
Carlos V., Auto Body Shop (AZ) — $640K SBA 504