Fast funding solutions designed for Charleston's growing construction industry with flexible terms that match your project cycles.
Charleston's booming construction industry is driving unprecedented growth throughout the Lowcountry, from historic district renovations to new developments in Mount Pleasant and West Ashley. Construction businesses need reliable access to working capital for equipment purchases, material costs, payroll management, and project expansion. Traditional bank loans often fall short with lengthy approval processes that don't align with the fast-paced nature of construction contracts and seasonal demands.
Charleston construction owners choose Spartan Capital because we understand the unique cash flow challenges of the industry, from weather delays to payment timing gaps. Our flexible revenue-based financing adapts to your business cycles, whether you're handling hurricane repair contracts or major commercial developments. We've helped hundreds of construction businesses across the Southeast bridge funding gaps and capitalize on growth opportunities without the hassles of traditional lending.
Simply apply online with basic business information and recent bank statements - no lengthy financial documentation required for construction businesses. Our advanced underwriting system evaluates your business revenue patterns and approves funding based on your actual performance, not just credit scores. Once approved, funds are deposited directly into your business account, often within 2 hours, so you can secure materials, meet payroll, or take on that next big Charleston project.
Online application takes 2 minutes. No hard pull.
Same-day decision — typically within an hour.
Funds in your account in as little as 2 hours.
Construction businesses need at least $10,000 in monthly revenue and 6 months in business to qualify for funding. We work with general contractors, specialty trades, renovation companies, and construction service providers throughout the Charleston metro area. Our soft credit check process protects your credit score while we focus on your business cash flow and growth potential rather than past credit issues.
Yes, Charleston construction businesses can receive same-day approval and funding in as little as 2 hours once approved, helping you quickly secure materials, handle payroll, or take advantage of time-sensitive opportunities in the competitive Charleston market.
Charleston construction businesses can access funding up to $500,000 based on monthly revenue and business performance, providing sufficient capital for equipment purchases, large material orders, project expansion, or working capital needs.
No, construction businesses do not need to provide collateral or personal guarantees for our revenue-based financing, making it easier to access capital without risking business assets or personal property.
Repayment is based on a percentage of your daily business revenue, automatically adjusting to your construction business's cash flow patterns, so you pay more during busy periods and less during slower seasons.
Spartan Capital funds every type of business in Charleston. Explore funding for other industries below.
2-minute application. Soft pull only. Funding in as little as 2 hours.