Commercial construction funding is essential for businesses that need capital to build, renovate, or expand their physical locations. From retail spaces to warehouses, new construction projects often require significant upfront investment. Rather than draining your cash reserves, funding provides the capital needed to complete projects while keeping your operations moving.
At Magenta, we offer fast, flexible financing solutions tailored to small and mid-sized businesses. Whether you're a contractor looking to expand facilities or a local business upgrading a storefront, our revenue-based financing provides support without the constraints of traditional funding models.
Unlike traditional financing, commercial construction funding is typically distributed in phases, aligned with construction milestones such as site preparation, foundation completion, or interior build-out. This ensures capital is used as intended and helps mitigate risk.
Our funding model at Magenta aligns with your project’s cash flow. You receive capital based on your revenue strength, not a rigid repayment schedule. Repayments complement your revenue, and you have the ability to pay early and save with no penalties.
Construction timelines can shift. Permitting delays, weather conditions, labor availability, and cost overruns are all common challenges. With a flexible financing partner like Magenta, you are better equipped to handle the unexpected. Our early payoff discounts and adjustable repayment structure help ensure that you can stay on track even if your project hits bumps along the way.
Securing funding for a commercial construction project requires preparation. While Magenta does not require a minimum credit score, we do review your business as a whole. Here's what we typically look for:
To qualify for funding, your business should have at least one year of operational history and a minimum of $15,000 in monthly revenue. This shows consistency and gives us confidence in your ability to manage capital effectively.
Having a dedicated business checking account allows us to verify your revenue and streamline the funding process. It also shows sound financial practices and helps ensure smooth disbursements.
Your funding application should be prepared to provide a clear and detailed construction plan. This means outlining the project scope, timeline, and budget. Including contingency planning, such as how you would handle delays or unexpected costs, demonstrates readiness and builds trust.
A line-item cost breakdown that includes materials, labor, permits, and equipment is critical. Contractor agreements should be in place and reflect realistic estimates. If your contractor has a strong track record, it can strengthen your application.
If the new facility will generate revenue, include a short summary of how the space will be used and how it will contribute to business growth. Whether it is increasing production capacity, attracting new clients, or entering new markets, showing a return on investment helps justify the funding request.
Traditional providers often require high credit scores, lengthy documentation, and weeks of review. Magenta takes a different approach. We focus on your revenue and your readiness, not your credit score or collateral. We also have a simple application process, requiring a simple application and business bank statements.
With Magenta, there is no hard credit pull. You can apply online in minutes, receive an offer typically within an hour, and access funds as soon as the end of day. That means less time waiting and more time building.
Our revenue-based financing also provides built-in flexibility. Payments scale with your income. If your revenue slows, you can request adjusted payments to reduce pressure. If you earn more, you can pay off early and take advantage of our early payoff discounts.
Being prepared makes the process smoother. Here’s what to gather:
Having these in place will help us understand your goals and structure funding to fit your build schedule.
At Magenta, we make construction funding flexible to fit your project timeline and cash flow. When approved, you’ll receive a maximum approval amount — then choose how to use it:
Even if you take the full amount upfront, we often provide quarterly funding to help keep cash flow steady and avoid the strain of one large, aggressive lump sum. Our goal is simple: give you the right amount of capital, at the right time, with same-day funding available upon approval.
Magenta supports a wide range of industries undertaking commercial construction. These include:
We work with businesses across Florida, Georgia, and beyond. Our approach supports contractors and small business owners who need reliable funding without the constraints of banks.
The best time to apply is before construction begins. Starting early ensures that funding is available when you need it, helping you avoid costly delays. If your project is already underway, we may still be able to help, depending on how much work remains.
Planning ahead also gives you time to compare options. Magenta's application process is simple, and you can review your offer with no obligation. This gives you clarity without pressure.
Some business owners wait too long to secure capital. Others commit to rigid repayment structures that do not match their income cycles. These missteps can lead to stalled construction or strained cash flow.
With Magenta, you avoid fixed monthly payments that do not reflect your reality. Our funding adjusts to your business activity. We prioritize cash flow alignment and simple, transparent agreements. You know your total cost upfront, and there are no penalties if you pay early.
Construction projects do not produce immediate returns. That is why funding must be managed strategically. Use capital to cover major milestones, such as:
Each disbursement should move your project forward. Our team is available to guide you through this process and ensure your funding aligns with your timeline.
When your project is complete, your new facility should help generate revenue, improve operations, or reach more customers. Our funding model supports that growth from day one.
We do not require you to give up ownership or control of your business. Instead, we provide capital that works with your business, not against it.
At Magenta, we believe funding should empower you. Our construction funding solutions are built to be fast, flexible, and fair. We look at your business as a whole and make it easy to access the capital you need to expand, grow, and succeed.
Apply online and get a tailored offer typically within an hour. With no minimum credit score, no hard credit pull, and funding available as soon as the next day, Magenta is here to help you break ground confidently.