Contractors and tradespeople face a unique cash flow challenge: the work is won, the crew is ready, but the payment is 30, 60, or 90 days away. Business funding bridges that gap and keeps your jobs moving.
In the construction and trades world, the timeline between winning a contract and getting paid is long. You pay your crew, your materials, your equipment, and your overhead weeks or months before the client's check clears. This gap is one of the biggest reasons profitable contracting businesses struggle with cash flow.
Business funding for contractors is specifically designed to bridge this gap — giving you the capital to take on more work, buy materials for the next job, and keep your crew employed without waiting on slow-paying clients.
Fast working capital provides immediate cash for payroll, materials, fuel, and equipment costs while you wait on job payments. Revenue-based programs are particularly good for contractors because they evaluate your business's revenue history rather than collateral.
Trucks, trailers, excavators, lifts, and specialized tools are the lifeblood of a contracting business. Equipment financing lets you acquire what you need to take on larger jobs without depleting your working capital.
For established contractors with strong financials, SBA loans and traditional commercial loans offer lower rates for larger capital needs — purchasing a building, acquiring a competitor, or financing a major equipment fleet upgrade.
Funding solutions for contractors span a wide range of trades including general contractors and construction companies, HVAC installation and service, plumbing and mechanical, electrical contractors, roofing and exterior contractors, landscaping and grounds maintenance, painting and finishing, flooring and tile, and specialty trades of all kinds.
The funding amount available to a contracting business depends primarily on monthly revenue. Revenue-based programs typically advance one to two times your average monthly deposits. A landscaping company doing $40,000 per month might qualify for $40,000 to $80,000 in fast working capital. A larger general contractor doing $200,000 per month could access $200,000 to $400,000.
For fast working capital, you typically need three months of business bank statements, basic business information, and your business bank account details for the deposit. The application takes less than ten minutes and decisions come back within hours.
Keep your jobs moving. Access capital in 24–48 hours or explore traditional loan options.