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

Construction Payroll Loans — Pay Crews On Time, Every Time

Payroll doesn't wait for the draw. Cover crew and subcontractor wages now and repay as the project pays you.

$25K–$5Mloans range
24 hrstypical loans
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: Payroll loans gives construction companies the cash to pay crews and subcontractors on time even when a progress draw is slow to arrive. It's underwritten on your bank deposits, not the contract, so it funds fast — amounts run $25,000 to $500,000, FICO 500+ is accepted, and funds land in as little as 24 hours.

What payroll loans covers

When wages are due before the draw arrives. All available through Construction Capital Advance.

NeedTypical amountSpeed
Weekly crew payroll$25K – $250K24 hours
Subcontractor payments$25K – $500K24 hours
Prevailing-wage / certified payroll$25K – $300K24 hours
Bridge between draws$50K – $500K1–2 days

Why builders use payroll loans

  • Pay crews and subs on time, every cycle
  • Underwritten on deposits, not the draw schedule
  • FICO 500+ accepted; based on revenue
  • Funds in as little as 24 hours
  • Repay as the project pays you
  • Protects your reputation with skilled crews

What you need to apply

  • US-based construction 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 payroll loans for construction?
It's short-term working capital used specifically to cover crew and subcontractor wages when a progress draw or payment is delayed, so you never miss payroll.
Do I need the contract to qualify?
No. Loans is based on your business bank statements, not the awarded contract or draw schedule, which is what makes it fast.
How fast can I get payroll funds?
Most approvals fund within 24 hours — fast enough to cover the current pay cycle.
Can I use it for certified or prevailing-wage payroll?
Yes. It can cover any labor cost, including certified payroll on public projects.
What if my draws are always slow?
That's exactly what this solves — you fund payroll now and repay as the project pays you, so a slow draw schedule never stalls your crews.

Never miss payroll again

Apply in 5 minutes with a soft credit pull. Keep your crews paid while you wait on the draw.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Loans is subject to approval and is not a payroll-processing service. 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.

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Why contractors choose us

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

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Built for construction

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

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Funded in 24 hours

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

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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