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Compare · 2026

Retainage Financing vs Line of Credit

Unlock the money held on your jobs, or keep flexible credit on hand? Here's the difference.

$25K–$5Mfunding range
24 hrstypical funding
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

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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: Retainage financing advances the 5-10% held back on your billings, targeting cash you've already earned but can't touch until closeout. A line of credit is flexible, reusable capital for any need. If your cash is stuck in retainage, financing it directly is cleanest; for general flexibility, a line works across all needs.

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

How funding works, step by step

From application to funding 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.

Retainage financing vs line of credit

How the two options compare, in plain terms.

CriteriaRetainage FinancingLine of Credit
TargetsHeld retainage (5-10%)Any need
Based onYour billingsRevenue & deposits
Best forCash stuck at closeoutOngoing flexibility
ReusablePer jobYes
Speed24 hours1-2 days

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 retainage?
A portion — usually 5-10% — of each billing the owner or GC holds until the project is complete.
Should I finance retainage or use a line of credit?
Finance retainage directly when your cash is locked at closeout; use a line for general, ongoing flexibility.
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.

Unlock your retainage

Apply in 5 minutes with a soft credit pull.

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Comparisons reflect typical 2026 industry structures for general information and vary by lender and underwriting; your actual terms are set at application. 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.

🏗️

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