Need a commercial construction loan in Richardson, TX? Harvestgate Business Capital brokers financing for general contractors, specialty trades, and developers across Richardson, Plano, Allen, and nearby cities.
Construction firms operating along the US-75 corridor and around Richardson's Telecom Corridor face cash-flow gaps between material purchases, payroll cycles, and client payments. Seasonal swings in commercial buildout demand and the long lead times on multi-phase projects make standard bank term loans a poor fit. Lenders often misunderstand retention schedules, progress billing, and bonding requirements unique to Texas commercial construction. As a licensed broker, Harvestgate Business Capital connects Richardson contractors with lenders who underwrite construction cash flow, not just credit scores, so you can bid competitively on projects from CityLine redevelopments to warehouse expansions in Murphy and Sachse.
Loan programs
fund equipment purchases, working capital, and business acquisitions for established contractors with two years of financials. Equipment financing covers excavators, lifts, and dump trucks without tying up operating cash.
We gather your project pipeline, accounts receivable aging, bonding capacity, and equipment list, then submit your profile to multiple lenders in our network. You receive term sheets within days, not weeks. We explain each option's draw schedule, personal-guarantee requirements, and repayment structure so you choose the program that matches your project calendar. Our office at 200 Chisholm Pl, Plano, TX 75075, Richardson, TX serves contractors throughout Collin and Dallas counties. Call (972) 674-8105 to start your application.
A framing subcontractor in Farmers Branch won a four-building apartment contract but needed $180,000 for lumber, fasteners, and crew wages before the first draw. We brokered a business line of credit that released funds as each building reached rough-in inspection. The contractor drew only what each phase required, paid interest on the outstanding balance, and repaid the line when the general contractor released progress payments. The revolving structure let him accept two additional projects in Parker and Highland Park without reapplying.
How it works
1. List upcoming projects, contract values, and payment schedules. 2. Gather two years of business tax returns and a current balance sheet. 3. Document owned equipment (year, make, model, lien status). 4. Note your bonding capacity and any outstanding liens. 5. Call (972) 674-8105 to discuss commercial construction financing options in Richardson. 6. Review term sheets with our broker team and select the best match. 7. Submit final documents; most approvals arrive within one to two weeks. 8. Close funding and deploy capital on your next Richardson-area project.
Explore more on our Richardson business loans city hub, review SBA 7(a) loan details, compare equipment financing rates, or visit our Service Areas page.
Serving the Richardson area
We know which lenders fund which kinds of Richardson 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.
Why Richardson owners trust Harvestgate Business Capital
