Industries
Business Funding for Construction & Contractors
Mobilization costs, materials, and crews — funded before the progress payment lands.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why construction businesses call us
Mobilizing on an awarded job
You won the bid, and now materials, permits, and a crew have to be paid weeks before the first draw is approved. Working capital covers the front end and gets repaid as the draw schedule catches up.
Retainage sitting while payroll runs
Five or ten percent of every completed job is parked until closeout, and closeout is not on your schedule. Borrowing against current revenue keeps crews paid without chasing a general contractor's accounting department.
Buying the machine that unlocks bigger bids
An excavator, a boom lift, or a second dump truck moves you into a class of job you can't currently staff. Equipment financing puts the asset to work now and spreads it over the years it will earn.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months operating with revenue in the account
- Roughly $10,000+ per month in deposits
- A business bank account, not a personal one
- A signed contract or AIA draw schedule strengthens the file
- Any liens, judgments, or bonding constraints disclosed up front
- An equipment quote or bill of sale for equipment financing
How Lenders Read It
Lumpy deposits are normal in construction — one month holds a $180,000 draw and the next holds almost nothing. Some lenders read that correctly and some don't, which is the single biggest reason it matters where a contractor's file gets placed.
See the full processFAQ
Questions from construction owners
Do you fund against receivables or invoices?
Revenue-based working capital is sized off deposits rather than a specific invoice, so it often serves the same purpose with less administration. If true receivables financing or factoring is the better structure, your advisor will say so.
Does bonding capacity get affected?
It can. Surety underwriters look at your balance sheet and existing debt, so a new obligation may affect capacity. If you're actively bonded, tell your advisor before you accept anything — it should shape which structure you choose.
I have a lien or a past judgment. Am I out?
Not automatically. Liens and judgments narrow the lender list rather than closing it, and disclosed early they're workable. Discovered late in underwriting, they kill files — so lead with them.
More questions? Read the full FAQ
Funding for your construction business.
One application, real offers to compare, and no fee unless your business is funded.