Cover mobilization, materials, and payroll now instead of waiting 30, 60, or 90 days for the next draw or AR to clear.
Apply Now →A contractor working capital loan from Construction Capital Advance gives you $25,000 to $5,000,000 to fund the gap between what a job costs you to start and when the money actually lands — mobilization, materials, subs, and payroll before your first draw or before an invoice ages out. Approval leans on your business bank deposits and revenue rather than your credit score, all credit profiles are considered, decisions come back in roughly 4 to 24 hours, and approved funds are often wired the same or next business day. It is built for GCs, roofers, electricians, plumbers, and site contractors who are asset-rich in receivables but cash-tight the week a project breaks ground.
In construction, you spend before you get paid. A working capital loan closes that timing gap so a signed contract or an approved change order never stalls for lack of cash. Contractors typically use these funds to:
This is capital for the working phase of a project — the weeks between spending money and collecting it — not a term note for buying a building or a truck fleet.
Working capital ranges from $25,000 for a single-crew subcontractor mobilizing one job to $5,000,000 for a general contractor carrying several active sites. Approved amounts track your average monthly bank deposits and revenue, because that is the real measure of a construction business's ability to fund and repay. The table below shows how offers commonly scale — these are illustrative examples, not quotes or guarantees:
| Contractor profile | Avg. monthly deposits | Example working capital | Common use |
|---|---|---|---|
| Solo electrician / small sub | $40,000 | $25,000–$50,000 | Materials + mobilization on one job |
| Roofing crew | $120,000 | $75,000–$150,000 | Payroll through the AR lag |
| Plumbing / mechanical shop | $300,000 | $200,000–$400,000 | Two concurrent commercial jobs |
| Mid-size GC | $700,000 | $500,000–$1,000,000 | Mobilize a new build before Draw 1 |
| Multi-site general contractor | $2,000,000+ | $1,500,000–$5,000,000 | Carry several active sites at once |
Your actual offer depends on deposit consistency, revenue, and time in business.
Qualification is built around how construction businesses actually operate, not around a personal credit cutoff. What matters most:
There is no requirement to pledge equipment or a lien position on a specific project. You are qualifying on the cash flow of the business, which is why a contractor with strong deposits and imperfect credit can still be approved.
The application is short and built to keep a contractor out of a paperwork loop during a live job. To get a decision, most contractors submit:
Larger requests may call for a recent A/R aging report or a project schedule, but many working capital approvals need nothing beyond bank statements. No tax returns are required to get started, and no phone tag — everything runs through the application.
Construction timelines do not wait, so neither does the process. After you submit bank statements, a decision typically comes back in about 4 to 24 hours. Once you accept the terms, approved funds are frequently wired the same or next business day — fast enough to hit a Monday mobilization or a material-order deadline that would otherwise slip a week. Timing depends on how quickly you return signed documents and on your bank's transfer windows, but the review itself is measured in hours, not the weeks a construction line of credit at a bank can take.
The alternative to working capital is usually delay: pushing a start date, ordering less material, or letting a crew sit until the draw or invoice clears. Each of those has a cost — a missed price on materials, a crew that takes another job, a GC who reassigns the next phase. Working capital converts a receivable you have already earned, or a contract you have already signed, into cash you can put on the ground this week. The financing cost is weighed against keeping the job moving, holding your crew, and taking the next project instead of turning it down.
Anything that keeps a job moving before the money lands — mobilization, materials, permits, payroll, paying subs, or carrying slow-paying receivables. It is designed for the gap between spending on a project and collecting your draw or invoice.
Between $25,000 and $5,000,000. The amount is driven mainly by your average monthly bank deposits and revenue, so a contractor with strong, steady deposits can qualify for more even without perfect credit.
No. Approval leans on your business bank deposits and revenue far more than your credit score, and all credit profiles are considered. A tax lien, a slow season, or a low score does not automatically rule you out.
Decisions typically come back in about 4 to 24 hours after you submit bank statements, and approved funds are often wired the same or next business day. Nothing is ever guaranteed, but the review is measured in hours, not weeks.
A short online application and your last three to six months of business bank statements. Larger requests may ask for an A/R aging report or project schedule, but many approvals need nothing more than bank statements. No tax returns to get started.
A construction loan finances a specific build and pays out on a draw schedule tied to that project. This is working capital for the business — cash you can spend across jobs on mobilization, materials, and payroll, approved on your revenue rather than a single project's collateral, and available in hours instead of weeks.
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.
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