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Why Camino?

We never leave Small Businesses behind

Camino Financial’s mission is to help business owners. We do it by offering affordable loans with an easy, fast, and secure process. We help:

  • Self-employed & sole props
  • Undocumented applicants
  • Cash-heavy businesses
  • Owners with no credit history
Camino Financial
How to apply?

3 Easy Steps to Construction Business Funding

  • Simple and Easy Online Pre-Approval

    We know that you need timely capital. That’s why our online pre-approval process is quick and easy. Fill out the application with basic information about you and your business. You’ll know if you pre-approve in less than 24 hours.

  • Get Matched With the Best Loan For Your Business

    We’ll carefully review business documents and financial records to find the construction business loan that best fits your needs. Don’t worry; it’s very easy and completely secure!

  • Receive an Offer and Get Funded Within Days

    Your business loan specialist will send your construction business loan agreement. Sign it, and in just a few days, you will receive your capital directly into your bank account.

Calculate your monthly payment

Qualify for a Construction Business Loan

What is your desired loan amount?

$34,000


Select from 18 to 60 monthly payments

36 months


Select your approximate interest rate

2.25%


Monthly Payment1$1,388.05
Total Cost of the Loan2$18,346.66
view more info
It’s free and won’t impact your credit score
1 The loan terms are figures shown in calculation results are example figures and subject to final lender approval.
2 Represents total cost of the loan including Total Interest Paid, Closing Fee, Documentation Fee, and Funding Fee.
3 Assumes 4.99% closing fee against the approved loan amount. Closing fees may vary between 4.99% and 6.99%.

Minimum Requirements

These are the minimum requirements to qualify for a construction business loan: generate $30,000 in annual income, have been operating for at least 9 months, and be current with other outstanding credit obligations.

Help for Construction Companies and Contractors

Our Camino Financial construction business loans are fast and reliable. If you’re in the construction industry, we can help you reach success by giving you the funds you need as fast as 2 days.

We Know What You Need

Our construction business loans can fulfill all your needs:

  • Financing a construction
  • Buying equipment and parts
  • Growing your crew
  • Purchasing supplies
  • Improving your cash flow
  • And more!
MINIMUM REQUIREMENTS

Because we understand you, we created easy to meet requirements

  • Camino Financial

    Business Owner’s

    ITIN or SSN

  • Camino Financial

    Annual Revenue

    Over $30,000

  • Camino Financial

    Time in Business

    Over 9 months

Success stories

We’ve helped over 3,000 businesses, you could be next

José Sanchez

José Sanchez

Owner of Josdav Renovations

José Sanchez

José Sanchez

Owner of Josdav Renovations

We helped José Sanchez, who owns a construction company: Josdav Renovations. We offered him the extra capital he needed to strengthen and grow his business.

19

Full-time New Employees

199%

Increase in Sales

3

Total Loans

Trustpilot

Camino Financial is rated 4.5 out 5 based on 56 Reviews on Trustpilot

Frequently Asked Questions

  1. How can I get a construction business loan?

    1. We Want to Know More About You and Your Small Business
      Complete our short online application: it only has a few simple questions about your small business. You will learn if you prequalify for a construction business loan in just a few seconds!
    2. Review Your Options With A Small Business Loan Specialist
      We will explain your funding options to ensure you have the capital you need without hurting your cash flow. At this point, we will answer any question you may have about the loan process.
    3. Submit Basic Financial Records
      Submit information about your construction business cash flow. Sharing your financial statements is easy and secure! This will help us personalize your construction business loan so that it fits all your needs.
    4. Accept the Final Offer and Business Loan Terms
      Our team is ready to present a final loan offer. You just need to review the terms and sign!
    5. Receive Funding
      You’re ready to receive the capital you need! We’ll deposit the funds directly into your bank account.
  2. What are the requirements?

    Do you want to apply for a construction business loan with Camino Financial? These are the requirements you must meet:

    1. Your business needs to have been operating for at least 9 months
    2. Earn $2,500 in monthly gross income (or $30,000 annually)
    3. Have an SSN (Social Security Number) or an ITIN (Individual Taxpayer Identification Number)
    4. You need to be the owner of at least 50% of the business
    5. Be located in the US (except New Jersey, Hawaii, and Puerto Rico)
    6. Don’t have any bankruptcies in the last 24 months
    7. You should be current with other outstanding credit obligations

    Keep reading Why Camino Financial Has Fewer Business Loan Requirements Than Other Lenders?

  3. What type of construction business loan does Camino Financial offer?

    We offer unsecured, term loans at fixed interest rates and with flexible requirements. We’ll help you finance the needs of your construction company.

  4. Should I apply for a construction business loan with CF?

    Yes! We understand the ins and outs of the construction industry and know what you need. Our experience with construction business owners and contractors like you helps us create loans that will fulfill all your needs.

    We don’t think of our customers like numbers. You are part of our family.

    Learn why Camino Financial customers are happy to work with us

  5. Can I get a construction business loan if I only have an ITIN?

    Of course!

    We understand how important funding is for all businesses; that’s why we don’t factor in your immigration status. When applying for a loan, we focus on you, your business, and your story.

    At Camino Financial, we approve owners with only an ITIN.

    Continue reading Can I Get Credit Only with an ITIN?

  6. Can I apply for a construction business loan if I don’t have a credit history?

    Yes, you can apply!

    We don’t require you to have previous credit history nor a minimum credit score. Why? Because knowing that you are a hard-worker business owner is more important than a score. Everyone should have the same access to financing.

  7. Does the Camino Financial application affect my credit score?

    No.

    There are 2 ways to review your credit history:

    1. A “hard pull,” that becomes part of your record and affects your score. This is what many lenders use.
    2. A “soft pull,” which doesn’t affect your credit score. This is what we do at Camino Financial to help you maintain a healthy score.
  8. Do I need collateral to apply for a Camino Financial loan?

    With us, you don’t need to put up collateral.

    We offer unsecured loans, which means we don’t ask for collateral to secure your loan. We don’t want you to risk your property, so your vehicles, equipment, and other assets are safe with us.

  9. What are your interest rates?

    Our annual interest rates range from 12.00% to 24.75% for our business loans and 19.0% to 34.0% for our microloans.

    Learn how we calculate your interest rate.

  10. Is the lending process safe?

    Yes.

    We know how important it is that personal information stays safe. So we use the same technology that banks use to protect sensitive information and documents.

    With us, your information will always remain safe.