You Win the Job Before You Get Paid for It. Fund the Gap.
Contractors carry the cost of a project long before the first draw clears — mobilization, materials, payroll, and equipment all move first. We place general contractors and subcontractors with partners who read draw schedules, progress billings, and retainage instead of treating uneven monthly revenue as a red flag.
Mobilization & payroll between draws Retainage and receivables structures GCs and subcontractors
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which investor financing fits your deal
Four quick questions about your deal — the exit, your experience, the scope, and the cash you're bringing. No credit pull to start, just a clear read on which asset-based structures fit.
What's the exit on this deal?
Investor financing is written around how the property gets paid off — selling, holding as a rental, or building new.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
How contractor capital gets structured
Construction files rarely fit a single product. Most are placed as one of these — or a working-capital line paired with separate equipment financing.
Project Working Capital
Best for mobilization, payroll, and materials in the gap before your first progress payment.
- How it underwrites
- Deposit history, contract backlog, and billing consistency across the last 6 to 12 months.
- Speed
- Commonly funded in 24 to 72 hours once bank statements are in.
- Best structure
- A revolving line for recurring draw gaps; a term loan for one specific large job.
Progress Billing & Receivables Funding
Best for contractors with approved invoices sitting in 30, 60, or 90-day terms.
- How it works
- Advance against approved progress billings so the money moves when the work is certified, not when the check arrives.
- Credit basis
- Largely the paying party's credit — the GC, developer, or public agency — rather than yours alone.
- Scales with you
- Availability grows as your billings grow, unlike a fixed loan amount.
Heavy Equipment Financing
Best for excavators, skid steers, lifts, trucks, trailers, and specialty trade equipment.
- Collateral
- The machine secures the deal, which widens approvals when the balance sheet is thin.
- Terms
- Typically 24 to 72 months, matched to the working life of the unit.
- New or used
- Dealer and private-party purchases are both placeable, including auction acquisitions.
Ground-Up & Renovation Project Capital
Best for contractors and builders funding a project they own rather than one they were hired for.
- Structure
- Draw-based facilities released against inspected completion stages.
- Timeline
- Property-related files typically take 3 to 10 business days, sometimes longer with appraisal.
- Related
- Overlaps with bridge and fix-and-flip structures depending on exit strategy.
What contractors fund most often
These are the recurring pressure points across trades, from residential remodelers to commercial subs.
Mobilization on a new award
Cover crews, materials, and equipment movement before draw one is certified.
Payroll between draws
Keep skilled crews on your payroll instead of losing them to the next contractor.
Material buyouts
Lock in pricing and take supplier discounts instead of paying escalated spot cost.
Retainage sitting unpaid
Bridge the 5 to 10 percent held back across multiple completed jobs.
Taking a larger job than usual
Fund the step-up in scope without turning down the award you spent months chasing.
Equipment replacement mid-project
Replace a failed machine on its own terms rather than draining project cash.
Construction Loan Payment Estimator
See what the monthly payment looks like on construction and contractor financing at different amounts, rates, and terms. Useful for comparing a financed payment against the revenue a new project or crew would produce.
Loan Scenario
Adjust the amount, rate, and term to match your project. SBA 7(a) and 504 terms commonly run 10 to 25 years for real estate.
Compare this payment against what the same amount would cost on short-term financing. A longer term lowers the monthly payment but raises total interest — pick the payment your cash flow can carry every month.
Estimate for planning purposes only. Excludes taxes, insurance, and fees. Actual rates and terms are set by the lender in underwriting.
What this calculator works out
This construction financing calculator estimates the monthly payment on equipment, project, or working capital financing for contractors at different amounts, interest rates, and terms.
Contractor selection criteria
Ranges vary by program. These reflect the general guidelines across the partner network.
Time in business
Six months or more for revenue-driven programs; two years or more opens the lowest-cost structures.
Revenue
Consistent billing history matters more than a flat monthly number. Many programs start around $15,000 in monthly deposits.
Credit profile
500+ can be placed on revenue and receivables programs. 650+ widens options considerably.
Documents
Three to six months of bank statements, your current work-in-progress or backlog schedule, and an aging report if you are billing on terms.
What underwriters look for in a construction file
Construction is cyclical by nature. Presenting the cycle clearly is most of the work in getting a file placed well.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Backlog, not just history
Signed contracts and awarded work show forward revenue that bank statements alone cannot.
Who is paying you
Public agencies, national GCs, and creditworthy developers strengthen a receivables file materially.
Concentration risk
One customer at 80 percent of revenue reads differently than eight customers at 12 percent each.
Aging report quality
Clean, current aging with few disputes is the single fastest way to expand receivables availability.
Change orders and disputes
Unresolved change orders reduce advance rates. Documented approvals raise them.
Equipment already leveraged
Existing liens on machines affect what can be added. A current debt schedule prevents surprises late in review.
Questions, Answered
Yes. Receivables-based structures advance against approved progress billings, and retainage is treated as a known part of the contract cycle rather than a problem.
Yes. Electrical, mechanical, concrete, framing, roofing, site work, and specialty trades are all placeable. Subcontractors are among the most common contractor files we see.
That is one of the most common uses. Working capital covers labor, materials, and equipment mobilization in the gap before your first progress payment clears.
Expected in this trade. Partners read contract backlog and billing history rather than assuming every month should look the same.
Yes, and it is often a separate structure placed alongside the working capital so the equipment is collateralized on its own terms.
We do not issue bonds. We fund the working capital and equipment side, which is frequently what strengthens a balance sheet enough to support bonding capacity.
Fund the Job You Already Won
One application, matched against 50+ lending partners. Soft credit pull to start, and no cost to apply.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015