Revolving capital that covers the gap between mobilization and your next draw — draw what you need, repay as invoices and draws clear, then draw again.
Apply Now →A business line of credit for contractors is revolving capital you can draw against whenever the job needs cash before the money arrives — buying materials to mobilize, making payroll on a Friday, or covering a subcontractor while a draw or invoice sits in a general contractor's AP queue. At Construction Capital Advance, lines run from $25,000 to $5,000,000, and approval leans on your business bank deposits and revenue far more than your credit score. You draw the amount you need, repay as your draws and receivables clear, and the credit becomes available again. All credit profiles are considered, most decisions land in about 4 to 24 hours, and approved contractors are often funded the same or next business day.
Construction runs on a schedule that pays in arrears. You mobilize, buy materials, and put crews on site weeks — sometimes a month or more — before the first draw funds or an invoice gets paid. A line of credit is built for exactly that timing mismatch. Instead of a single lump sum you have to spend all at once, you keep an available limit and pull from it only when a specific gap opens up.
That makes it different from a term advance. On a $2M commercial job you might draw $180,000 to buy steel and pay your framing sub in week two, repay it when the first draw hits in week six, then draw again for the next phase. You carry a balance — and pay for capital — only during the window you actually needed it, not for the whole project.
The mechanics are straightforward and designed to match how draws and receivables land.
You are not re-applying every time. Once the line is open, the capital is there for the life of the relationship, ready for the next receivable gap.
Your limit is sized to your revenue, and you only carry cost on the balance you actually draw. The example below shows how a mid-size subcontractor might use a line across a single project cycle — figures are illustrative, not a quote.
| Point in the job | Action | Drawn balance | Available limit |
|---|---|---|---|
| Line approved | $400,000 limit set | $0 | $400,000 |
| Week 2 — mobilize | Draw for materials + first payroll | $220,000 | $180,000 |
| Week 4 — second crew | Draw to add a subcontractor | $310,000 | $90,000 |
| Week 6 — first GC draw funds | Repay from proceeds | $120,000 | $280,000 |
| Week 9 — invoice paid | Repay balance in full | $0 | $400,000 |
By week nine the line is fully available again for the next phase — with cost accrued only on the balances carried in between.
Contractors get turned down by banks for reasons that have nothing to do with whether they can perform: a lien filed and released years ago, a thin personal credit file, or a balance sheet that swings with retainage and work-in-progress. We underwrite differently. The primary question is what your business bank statements show — consistent deposits, healthy revenue, and the volume of receivables moving through your accounts.
Credit is a factor, but it is not the gate. All credit profiles are considered. A roofer with a 590 score and steady six-figure monthly deposits is in a stronger position with us than the score alone would suggest, because the deposits prove the cash flow that repays the line.
Construction Capital Advance funds the trades that live on the draw-and-receivable cycle:
If your money is real but it is sitting in a draw schedule or an aging receivable, the line is designed for you.
Applying takes minutes and does not require tax returns or a project pro forma to start — recent business bank statements do most of the work. Most contractors get a decision in about 4 to 24 hours. Once your line is approved and you accept the terms, the first draw is often available the same or next business day, so you can order materials or hit payroll without watching the schedule slip. We never promise a guaranteed approval; we do move at the speed a job site actually runs on.
A term advance gives you one lump sum you repay on a fixed schedule. A line of credit gives you a limit you draw against only when you need it, and you carry cost only on the balance you actually pull. As you repay, the limit restores and you can draw again — which fits the draw-by-draw rhythm of a construction project better than a single lump sum.
There is no minimum score gate. We consider all credit profiles because approval leans primarily on your business bank deposits and revenue. Consistent deposits and healthy cash flow carry far more weight than the score itself, so contractors with thin or bruised credit are regularly approved.
Lines run from $25,000 to $5,000,000. Your specific limit is based on the deposit history and revenue shown in your business bank statements — the stronger and steadier the cash flow, the larger the limit we can set.
Most contractors receive a decision in about 4 to 24 hours after applying. Once the line is approved and terms are accepted, the first draw is often available the same or next business day. We never guarantee approval, but the process is built to move at job-site speed.
Recent business bank statements do most of the work. You generally do not need tax returns or a project pro forma to get a decision. The application takes only a few minutes to complete online.
Yes. The line is meant for exactly those construction cash-flow gaps — mobilizing on materials, covering payroll before a draw funds, and paying subcontractors while receivables age. You draw for whatever the job needs and repay as your draws and invoices clear.
Serving construction companies nationwide with fast, flexible business funding from $25K to $5M.
$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