Construction & contractor financing
$25K to $5M in financing for construction companies and contractors. Fund materials, equipment, payroll, expansion and new projects.
Get $25K–$5M for materials, equipment, payroll & new projects.
Takes about 2 minutes
Four short steps. No documents needed to start.
A funding specialist will review your file and bring back what our partners can do. The last step is the full application, where you verify EIN, estimated credit score and SSN, and sign.
Financing built for construction
Working Capital • Business Lines of Credit • Equipment Financing • Asset-Based Lending • & More
Uses of funding
Buy or repair without draining the operating account.
Lock in pricing before a job starts.
Keep people paid between draws.
Take the contract you would otherwise pass on.
Cover the 60 to 90 days until the invoice clears.
Carry the crew through the slow months.
Whatever the job needs — apply in three minutes, options the same day.
See my options
Why us
We are not a general small-business lender with a construction page. Every partner we work with understands draw schedules, retainage and seasonality.
You fill out one file. We put it in front of the funding partners most likely to approve your trade and your revenue profile.
Getting paid 60 to 90 days after the work is finished is normal in this industry. Our partners underwrite around that instead of penalizing you for it.
Every step, every specialist, both languages. No translation app, no second-class service.
Recent funding
Real amounts, real jobs, in the trades we fund.
“We landed two large commercial projects at the same time and needed capital to get moving before our first project payments came in. The $425,000 gave us the ability to purchase materials upfront, cover payroll, and bring on additional subcontractors without slowing either project down.”
“We needed additional equipment to take on larger jobs without draining our operating cash. We secured $275,000 and used the capital toward a new skid steer, equipment upgrades, and working capital for upcoming projects.”
“A large commercial roofing contract required us to purchase materials and mobilize our crews before receiving payment from the customer. The $180,000 in funding helped us cover those upfront costs and take on the project without putting pressure on our cash flow.”
“Our company was growing quickly, but several commercial customers were paying on longer terms. We used $350,000 in business funding to bridge the gap, keep payroll running, purchase materials, and add another crew so we could continue accepting new projects.”
Funding amounts shown reflect completed transactions for the businesses named, published with their permission. Amounts, terms and approval depend on each business's qualifications — individual results vary.
What we arrange
One application puts your file in front of partners across all six.
A lump sum for materials, payroll or whatever the job needs now.
Draw what you need, pay interest on what you use, draw again.
The equipment itself secures the deal, so rates run lower.
Borrow against equipment, receivables or other assets already on your balance sheet. The collateral is what unlocks the larger amounts.
Advance against invoices already issued instead of waiting on the GC.
Keep crews paid through the gap between draws.
One application. Working capital, lines of credit, equipment, asset-based lending.
Start my applicationThe difference
Banks are cheaper when they say yes. The problem is how long they take to say it, and what they want first.
| Traditional bank | Construction Biz Loans | |
|---|---|---|
| Time to decision | Weeks to months | Same day |
| Time to funding | 30 to 90 days | Same day to 24 hours |
| Documents to start | Full financial package, tax returns, projections | Three months of bank statements |
| Credit check | Hard pull up front | No hard pull to explore options |
| Collateral | Blanket lien plus personal guarantees | Only where the structure calls for it |
| Understands retainage | Rarely | Every partner we use |
| Seasonal revenue | Counted against you | Expected in this trade |
Timeline
The process
One short form, about three minutes. No documents to start.
A specialist works your file and comes back with the structures our partners will put behind the job.
Same-day funding is available. Most contractors go from applying to funded within 24 hours.
What we look at
These are the benchmarks that open the most options. Under them, apply anyway — we still review every file and work with partners who look at the whole picture.
Who we fund
If you build, dig, wire, frame or finish it, you're in the right place.
Requirements
Still deciding? Checking your options costs nothing and takes three minutes.
Check my options
Questions
Most files come back with options the same day. Same-day funding is available depending on the product and your file, and contractors commonly go from applying to funds in their account within 24 hours.
Yes. General contractors, home builders, remodelers, roofing, concrete, framing, excavation, drywall, painting, electrical, plumbing, HVAC, masonry and commercial builders all qualify.
Twelve months or more in business, $20,000 or more in average monthly revenue, and a business bank account with the last three months of statements. Those benchmarks open the most options, but we review every application.
Apply anyway. Time in business and revenue are two factors among several, and our partners look at the whole picture rather than a single cutoff.
No. Exploring your options does not involve a hard credit pull, so seeing what is available costs you nothing on your credit report.
Your last three months of business bank statements, basic business information, and a valid government-issued owner ID.
It depends on the structure. Working capital and lines of credit are generally unsecured. Equipment financing and asset-based lending are secured by the asset itself, which is exactly what makes larger amounts and better pricing possible. Your specialist will tell you which structure fits before you commit to anything.
Yes. Bridging the 60 to 90 day gap between finishing work and getting paid is one of the most common reasons contractors apply.
One short form, about three minutes. Options the same day, and no hard credit pull to explore them.