🏗️ Construction & Contractors
Business loans for general contractors and trade contractors
The cash-flow reality
Why general contractors and trade contractors need capital that moves fast
Contractors front materials and labor on every job and wait on draws, retainage and net-60 invoices. The gap between paying your crew Friday and getting paid for the job next month is exactly where working capital earns its keep.
Common uses of funding for general contractors and trade contractors
- ✓Materials and supplier deposits for a new job
- ✓Payroll between progress payments
- ✓Equipment and vehicle purchases
- ✓Bonding and insurance premiums
- ✓Bidding on larger projects that need upfront capital
Which product fits a construction & contractors business?
Same-Day Working Capital
Short-term capital approved on deposits. Decision in minutes, funds as soon as today.
Revenue-Based Financing
Repay a small percentage of sales, so slow weeks cost less. Ideal for seasonal businesses.
Term Loans
Fixed payments over up to five years, rates from prime for qualified businesses.
Equipment Financing
Finance a specific machine or vehicle with the equipment as collateral.
Construction & Contractors funding FAQ
Can I use funding to take a job bigger than I've done before?+
That is one of the most common uses. Capital for materials and labor lets contractors bid larger projects without waiting on the first draw.
Do you fund specialty trades?+
Yes: electrical, plumbing, HVAC, roofing, concrete, painting, landscaping and every other trade.
What do general contractors and trade contractors need to qualify?+
$20,000+ in monthly business revenue, 6+ months in business and a U.S. business bank account. Three months of bank statements are the only documents needed to start.
How much can a construction & contractors business get?+
From $10,000 to $5,000,000. Most businesses qualify for roughly 70% to 120% of their monthly revenue, with larger amounts for longer-term products.
Other industries we fund
- Trucking & Transportation
- Restaurants & Hospitality
- Medical & Dental Practices
- Retail Stores
- E-commerce & Online Sellers
- Auto Repair & Body Shops
- Salons, Spas & Barbershops
- Manufacturing & Machine Shops
- Landscaping & Lawn Care
- Professional Services
- Cleaning & Janitorial
- Gyms & Fitness Studios
- Agriculture & Farming
- Wholesale & Distribution
- Home Services (HVAC, Plumbing, Electrical)
Get funded as a general contractors owner
Three minutes to apply. Three months of bank statements. A real decision in minutes from a direct lender.