Construction's math problem: you pay for materials and labor weeks before the draw or final payment lands. Win a bigger job and the gap gets bigger. Contractor funding exists to bridge exactly that gap — without waiting on a bank that wants three years of audited financials.
What contractors fund most
- Materials up front — lumber, concrete, fixtures for jobs that pay on completion
- Payroll between draws — crews get paid Friday whether or not the GC paid you
- Equipment & tools — buy or repair the machine that wins the next bid
- Mobilization on bigger jobs — permits, bonds, deposits, subs to start
- Winter bridge — carrying your core crew through the slow season
Matching the program to the job
For one-off gaps tied to a specific job, working capital funding is usually the fit — fast, revenue-based, no collateral lien on equipment. For a planned equipment purchase or shop build-out with a known budget, a business term loan gives a fixed payment you can price into your bids. If you need maximum speed and have steady deposits, an Revenue Based Financing can move in days.
💡 Bid bigger, safely: the right move is funding sized to the contract — enough to cover materials + labor until the first draw, not a penny of payment burden beyond what the job's margin supports.
Typical qualifying profile
- 6+ months operating (2+ years unlocks better structures)
- $15K+ monthly deposits to a business account
- Mid-600 credit considered — see what a 650 score qualifies for
- Statements + ID ready (document checklist)
Approval and terms are subject to lender underwriting.
Take the bigger contract with confidence
60-second form. Funding sized to your jobs, not your credit score alone.
Check My Funding Options