CONSTRUCTION SBA BUSINESS PLAN
A construction-specific SBA business plan with project pipeline modeling, bonding capacity analysis, and equipment depreciation schedules — built for SBA 7(a) loan approval.
Construction-specific financials including project pipeline, bonding, and equipment. Delivered within 24 hours.
Secure checkout · Delivered within 24 hours
Construction company SBA loans are evaluated on project pipeline strength, bonding capacity, and the ability to manage cash flow through the cyclical nature of construction revenue. Lenders want to see a credible backlog of work, evidence of bonding capacity, and financial projections that account for seasonal fluctuations. A plan that shows flat, consistent monthly revenue for a construction company immediately signals to a lender that the projections are not credible.
Construction-specific Executive Summary
Project pipeline and backlog analysis
Bonding capacity and surety documentation
Equipment depreciation and maintenance schedules
Subcontractor cost modeling
Seasonal revenue and cash flow patterns
Licensing and insurance documentation
5-Year P&L, Balance Sheet, and Cash Flow
DSCR calculation for SBA 7(a) compliance
Use of Funds (equipment, working capital, bonding)
Existing contracts or a demonstrated project pipeline significantly strengthen your application. However, for equipment purchases or working capital loans, lenders will evaluate your track record and industry relationships rather than requiring signed contracts.
Bonding requirements vary by project type and size. For general contractors pursuing public work, most lenders want to see evidence of bonding capacity at least equal to your largest anticipated project. We document your current and projected bonding capacity in the plan.
Yes, but new construction companies face higher scrutiny. Lenders will focus heavily on the owner's industry experience, existing relationships with general contractors or developers, and the equity injection amount.