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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
AIA Billing · 2026

AIA Progress Billing Financing

AIA G702/G703 billing means you get paid on a cycle. Fund the costs between applications for payment.

$25K–$5Mfinancing range
24 hrstypical financing
500+credit scores OK
Constructionspecialist
No collateralfor working capital

See how much your construction business qualifies for

$25K to $5M in revenue-based capital for construction — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Contractors billing on AIA G702/G703 applications for payment submit monthly and get paid weeks later — fronting costs the whole time. This financing covers the gap between pay applications, repaid as they pay. Construction Capital Advance underwrites on deposits, FICO 500+, $25K-$5M, in 24 hours.

Reviewed by the Construction Capital Advance Financing Team · Updated July 2026

How financing works, step by step

From application to financing in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

Financing the AIA billing cycle

Where the pay-application cycle ties up cash.

Cycle stageWhat you frontFinancing fix
Work performed this periodCosts before you billAdvance
Pay app submittedCash during architect reviewAdvance
Certified, awaiting paymentCosts until it landsShort bridge
Retainage on the app5–10% held backRetainage advance

Why builders choose us

  • Underwritten on deposits, not the contract or draw schedule
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as the project pays you
  • Built for how construction actually bills

What you need to apply

  • US-based construction or contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What is AIA G702/G703 billing?
A standardized progress-billing format (Application and Certificate for Payment plus the continuation sheet) used on many commercial jobs, billed periodically and paid in arrears.
How does financing help with AIA billing?
It covers your costs between applications for payment so the pay cycle doesn't drain your cash.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and a soft credit pull.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Fund your AIA billing cycle

Apply in 5 minutes with a soft credit pull.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Financing is subject to approval and is not a contract- or bond-backed product. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why contractors choose us

Fast revenue-based capital that fits construction cash-flow gaps — draws, retainage, mobilization, equipment.

🏗️

Built for construction

GCs, subs, and every trade — grading, demolition, concrete, roofing, framing, and more.

⚡

Funded in 24 hours

Fund a draw gap, buy materials, or make payroll — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your construction business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute