Construction Trades

Banking built for the way contractors work.

Sunflower Bank’s Construction Trades Banking Group provides financial solutions for businesses that support contractors and related industries. Our professionals are industry leaders in delivering the strategic financing and cash flow management tools that contractors need to flourish in a competitive and cyclical market environment. This deeply experienced and specialized group has dedicated their careers to this industry, bringing direct expertise that includes surety bond underwriting, Certified Construction Industry Financial Professional (CCIFP) designations, and countless hours on job sites.

Explore Our Contractor Financing Solutions

As a specialized construction industry expert, Sunflower Bank offers a full range of commercial financing options. Every solution is structured around your business cycle, your project backlog, and your bonding program.

Working Capital Lines of Credit

A revolving line of credit sized to your project backlog, not just your balance sheet. Contractors often collect payment weeks or months after completing work. A working capital line bridges that gap, covering payroll, materials, and subcontractor costs while you wait for client payments to arrive.

Equipment Financing

Financing for heavy equipment, vehicles, and job site tools. Loan terms are aligned to the useful life of the equipment and your project timeline, so payments stay manageable.

Acquisition Financing and Succession Planning

Structured lending for contractors looking to acquire another business or plan for an ownership transition. Our team understands how to structure transactions that facilitate the ownership transition of a contractor, including how backlog and bonding capacity affect the business valuation.

Treasury Management and Cash Flow Tools

Full suite of treasury tools including ACH, corporate card, lockbox, positive pay, and account sweeping. Our wealth management team has solutions for large deposit needs beyond traditional bank products. Additionally, our private banking team support owners with compensation plans and other tailored insurance and financial options.

Who We Serve

Sunflower Bank's Construction Trades Banking Group is based in Denver and serves companies with annual revenues of $10 million to $250 million. We work with contractors across Arizona, California, Colorado, Kansas, New Mexico and Texas, including but not limited to:

  • General contractors
  • Heavy civil contractors
  • Specialty and skilled-trade subcontractors
  • Engineering, architecture, design firms
  • Material suppliers

Banking and Lending Solutions for the Construction Industry

As your partner, we’ll work with you to understand your business. We can help you successfully manage through the challenges inherent to the construction industry. We specialize in meeting the unique lending needs of contractors through services that include:

  • Working Capital Lines of Credit
  • Equipment Financing
  • Real estate financing including 1031 Exchange and Reverse transactions
  • Construction Company Valuation
  • Acquisition Financing
  • Succession Planning
  • Cash Flow Management
  • Treasury Management

Contact Our Construction Trades Banking Team


Active Industry Involvement

We are active members of the Associated General Contractors (AGC), Construction Financial Management Association (CFMA), Independent Electrical Contractors (IEC), and Associated Builders and Contractors (ABC). Our bankers participate in the same industry forums as your team, which means we stay current on the financial, regulatory, and market conditions that affect your business.

CCIFP-Credentialed Bankers

Our team holds the Certified Construction Industry Financial Professional (CCIFP) Designation. This is the recognized industry credential for construction finance specialists, and it means your banker understands your financials the same way your CPA does.

Surety Bond Awareness

We pride ourselves on a deep knowledge of how debt structure may positively or negatively impact surety bond capacity.

Contact our Construction Trades Banking Team