Commercial Construction Loan in Green Bay, WI

Construction businesses operate with uneven revenue cycles, significant equipment depreciation, and project-based contracts that don't fit standard loan templates. Green Bay's seasonal building window compounds this: contractors often bid and mobilize in spring, invoice through summer, and collect final payments in fall, leaving winter months cash-lean despite annual profitability. Lenders reviewing a December balance sheet may see weakness where an underwriter familiar with construction sees normalcy. Equipment-heavy balance sheets, subcontractor payables, and retainage holdbacks further complicate credit profiles. A commercial construction loan structured by a broker who explains these patterns to lenders increases approval likelihood because the file arrives with context, not just numbers.

As a licensed commercial-loan broker, Myrtle Business Capital presents construction files to multiple lenders, highlighting job backlog, bonding lines, and trade-specific cash cycles that generic applications omit. We assemble schedules of contracts, equipment lists, and explanations of retainage so underwriters see the full picture. For a roofing contractor in Ledgeview, that might mean documenting insurance certificates and a two-year project pipeline; for a site-prep operator in Oneida, it's showing equipment equity and municipal contract history. Transparency about what underwriters actually review lets you prepare a stronger file before submission, reducing delays and surprise denials.

An Allouez-based HVAC contractor needs $220,000: $140,000 to replace two service vans and install lifts at his Pilgrim Way shop, plus $80,000 working capital for a hospital retrofit starting in May. His tax returns show profit, but March receivables won't hit the bank until April. We broker an equipment loan secured by the vans and lifts, paired with a short-term working capital advance against the hospital contract. The equipment piece prices lower because collateral is clear; the working capital piece prices higher but closes in days. Structuring two products instead of forcing one mismatch gets the contractor mobilized on schedule.

Visit our service areas page to confirm coverage in Hobart, Suamico, and surrounding communities, or return to our Green Bay commercial loans hub.