Capital that breaks ground.
From ground-up commercial builds to heavy equipment, we structure financing that keeps Raleigh crews moving and Wake County projects on schedule.
Raleigh is one of the fastest-growing construction markets on the East Coast. Population growth across the Triangle, ongoing public-works build-out across Wake County, a steady pipeline of multifamily and tenant-improvement work in North Hills, Brier Creek and Downtown Raleigh, plus the long industrial and lab build-out across Research Triangle Park and along the I-540 loop. Contractors here finance a different mix of projects than the national average - more public-works tie-ins, more multifamily and more biotech and tech fit-out.
Quincy Lenders routes construction financing across three distinct buckets. Equipment loans cover trucks, lifts and field equipment with the gear as collateral - usually the fastest path. Construction business loans fund actual ground-up and major rehab projects on a multi-draw basis tied to milestones. SBA 7(a) and 504 loans handle owner-occupied yard or office purchases and acquisitions of competing contractors. AR financing covers the gap between AIA progress payments and weekly payroll. The right product depends on the contractor's stage and the use of funds.
Most established Triangle contractors with bonded experience qualify for at least three of those four products. Newer contractors (under three years in business) usually start with equipment financing and a small revolving line, then layer in larger structures as books and bonding capacity grow. We pre-screen lenders specifically for North Carolina contractor profiles - including NC Licensing Board verifications and surety-bonded operator considerations that general business lenders often miss.
Every option starts with a soft credit pull. Pre-screen takes 60 seconds.
Ground-up & renovation projects
Multi-draw financing aligned to your construction schedule with interest-only periods during the build phase.
Excavators, cranes, loaders
Finance new or used heavy equipment with the equipment itself serving as collateral, preserving working capital for jobs.
Borrow against AIA progress billings
A revolving facility secured by your receivables - built for general contractors bridging slow-pay owners and AIA G702/G703 cycles.
Bridge change orders and retainage
Cover material spikes, fund change orders or bridge retainage holdbacks without giving up equity.
