Capital that keeps your projects moving
Fast, flexible funding for contractors, builders and construction companies. Get the working capital your jobs need — without waiting on the bank.
- 4-hour decisions
- 500+ FICO considered
- No collateral for working capital
Funding built for how construction gets paid
From mobilization to final retainage, pick the capital that fits the job in front of you.
Working Capital
Cover payroll, materials and the gap between winning a job and getting paid.
Revenue Based Financing
Payments move with your deposits, so slow months don’t sink you.
Equipment Financing
Put excavators, trucks and lifts to work now and pay over time.
Business Line of Credit
Draw only what a job needs and pay interest on what you use.
Mobilization Funding
Get crews, materials and bonding moving before the first draw.
Invoice Factoring
Turn net-60 and net-90 invoices and retainage into cash now.
A straightforward path from application to funding
No business plan, no tax returns for most amounts, and no chasing a loan officer for updates.
Apply in minutes
- One short online application
- Upload your last 3–4 months of bank statements
- No collateral needed for working capital
Get your decision
- 4-hour decisions
- Underwritten on deposits, not the contract
- Clear amounts, terms and payments up front
Get funded
- Funds wired in 24–48 hours after approval
- Same-day funding for qualified applicants
- Repay as your projects pay you
We fund the business you’ve built, not a stack of paperwork
Approval is based on your revenue and deposit history, so a steady contracting business can qualify even when the bank says no.
Funding for every trade
General contractors, roofers, electricians, plumbers and specialty trades nationwide.
Straight answers for contractors
Still have a question? Start an application — there’s no obligation.
Apply NowHow much funding can a contractor get?
Contractors can access $25,000 to $5,000,000 depending on monthly revenue, time in business, and the funding product. Working capital typically starts at $25K; equipment financing and lines of credit can reach $5M.
How fast can a contractor get funded?
A funding decision comes as fast as 4 hours, with money wired in 24 to 48 hours after approval. Same-day funding is available for qualified applicants.
What credit score do contractors need for funding?
A personal FICO of 500+ is accepted. Revenue strength and consistent bank deposits matter more than the score itself; lower scores are reviewed case-by-case.
Can a contractor get funding with bad credit?
Yes. Contractors with a 500+ FICO and steady revenue can qualify. Approvals are based on business cash flow and deposit history, not credit score alone.
What are the requirements to qualify?
500+ FICO, 6+ months in business, $10,000+ per month in revenue, a business bank account, and an actively operating contracting business. No business plan or tax returns required for most amounts.
Do contractors need collateral or tax returns?
For working capital, no collateral is required and most amounts under $500K need only 3 months of business bank statements — no tax returns or business plan.
What can contractor funding be used for?
Payroll, materials, equipment purchases, job mobilization, bonding, subcontractor payments, retainage and net-90 receivable gaps, expansion, and covering the cash-flow gap between winning a job and getting paid.
Ready to fund your next job?
Apply in minutes and get a decision in as little as 4 hours. Funding from $25K to $5M.
Get Started No obligation. No impact to your credit.