Does your Ann Arbor construction company need financing for a project, equipment, or working capital? Construction firms across Washtenaw County face 60- to 90-day payment cycles that strain cash flow, while equipment costs and bonding requirements lock up capital before the first shovel hits dirt.
Construction businesses in Ann Arbor operate in a market shaped by University of Michigan expansion projects, downtown mixed-use developments along South State Road, and steady residential growth in Pittsfield Township and Scio Township. Payment delays from general contractors, bonding requirements for municipal work, and the need to purchase or lease heavy machinery before invoice payment create three simultaneous cash drains. A commercial construction loan bridges these gaps, funding payroll, materials, and equipment while receivables age. Ironcrest works as a broker, not a lender, so we compare programs across multiple funding sources to surface options with transparent fee structures and realistic collateral requirements for contractors who may not own real estate.
Loan programs
Ironcrest brokers each program, presenting side-by-side cost breakdowns so you see origination fees, factor rates, and term lengths before signing.
work for established contractors acquiring dump trucks, excavators, or expanding into a second crew. Terms stretch to 10 years for equipment and 25 years if you're purchasing a shop or yard in Dexter or Ypsilanti, lowering monthly obligations during seasonal slow periods.
We start with a no-cost consultation at our office on South State Road, reviewing your accounts receivable aging report, equipment list, and project pipeline. Because we broker rather than lend, we submit your profile to multiple capital sources and return with options ranked by total cost and speed. A roofing contractor in Ann Arbor Township recently needed $85,000 to bridge a 75-day payment gap on a University Hill apartment retrofit; we brokered an invoice factoring arrangement that advanced funds in four business days, then refinanced into a lower-cost line of credit once the invoice cleared. Transparency means you know every fee before funds move.
Equipment financing
A site-prep contractor based near Dixboro won two municipal storm-water projects in Superior Township but lacked a second excavator to run concurrent jobs. The owner's real estate equity was tied up in a home, not commercial property. Ironcrest brokered an equipment financing package using the excavator as collateral, spreading payments over seven years to match depreciation and seasonal revenue. The contractor deployed the machine within two weeks, completed both projects on schedule, and avoided the cost markup of short-term rental.
Serving the Ann Arbor area
We know which lenders fund which kinds of Ann Arbor businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
