Business Funding for Contractors — Funded in Days, Not Six Weeks
Working capital, credit lines, and equipment financing for GCs, HVAC, electrical, and plumbing contractors. $10,000 to $5,000,000, funded in as little as 24-48 hours. See your business funding for contractors options in 2 minutes — no hit to your credit.
You’re Not Broke. You’re Waiting to Get Paid.
You’ve got $100,000 in signed work on the board. You’ve also got a supply house that wants payment on delivery, a crew that gets paid every Friday no matter what, and a GC who’s going to sit on your pay app for another six weeks — then hold 10% retainage on top of it.
That’s not a business problem. That’s a timing problem.
But timing problems turn into real problems fast:
- You pass on a job you could’ve crushed because you can’t float the material.
- You put $18K of copper on a personal credit card at 29%.
- You take the small work instead of the good work, just to keep cash moving.
- You wait on one check to release, so you can start the next job, so you can wait on that check.
Meanwhile every bank you walk into wants two years of returns, a P&L your bookkeeper hasn’t finished, and 45 days to think about it.
We’re not that.
Business Funding for Contractors That Moves as Fast as Your Schedule Does
We match contractors with the funding that actually fits the situation — not whatever product one lender happens to sell.
Sometimes that’s a line of credit you draw on when you mobilize and pay back when the check clears. Sometimes it’s a lump sum to buy the van. Sometimes it’s neither, and we’ll tell you that too.
One form. We look at your file. You get options.
Contractor Funding Programs
Business Line of Credit
Draw what you need, when you need it. Pay interest only on what you use. The move for contractors who need to mobilize on a job and pay it back when the draw comes in. Best for: Material buys, payroll gaps, mobilization costs
Working Capital / Term Loan
A lump sum with a fixed payback. Straightforward. Good when you know the number and you know the plan. Best for: Taking on a bigger contract, hiring a crew, payroll runway
Equipment Financing
Trucks, excavators, lifts, service vans, recovery machines, bending equipment. Finance it instead of draining the account. Best for: Adding capacity without gutting your cash position
Invoice Financing
You did the work. Don’t wait 90 days to see the money. Get paid against outstanding invoices and pay-apps. Best for: Slow-paying GCs, net-60/net-90 terms, retainage drag
Not sure which one? That’s fine — that’s our job. Fill out the form and we’ll tell you what your file actually supports.
HOW BUSINESS FUNDING FOR CONTRACTORS WORKS
1. Apply
Fill out our Quick Apply application.
2. We review your application
We review your goals and present you with programs matching your needs, getting an offer in 24 hours.
3. Receive funding
Choose the program that fits you best and receive funding in as little as 24-48 hours.
Do You Qualify?
Most contractors we fund look something like this:
✔ In business at least 6 months
✔ At least $10,000/month in revenue consistently
✔ A business bank account
✔ 500+ personal credit score
✔ U.S.-based
Don’t check every box? Apply anyway for these business funding for contractors. We fund contractors banks turn down every day — past credit issues, seasonal swings, a rough year on the books. It’s worth 2 minutes to find out.
We Know How Your Money Actually Moves
General Contractors You’re paying subs before the owner pays you, and there’s 10% retainage sitting out there for months after the punch list is done. We fund the gap between the work and the wire.
HVAC Your year isn’t flat and neither is your cash. Stock equipment before the first 95-degree week, cover the slow shoulder season, and stop losing changeouts because you didn’t have units on the shelf.
Electrical Copper and gear prices move whether you’re ready or not, and lead times mean you’re buying long before you’re billing. Fund the material, keep the crews rolling.
Plumbing Service work pays fast, new construction doesn’t. Fund the trucks, the inventory, and the payroll that keeps both sides of the business running.
OBJECTIONS / FAQ
The Next Job Isn’t Going to Wait on Your Receivables
Two minutes to see your options. No obligation, no hit to your credit, and no one’s going to be weird about it if you say no.
Free · No obligation · Soft pull only