Capital for your next project — Contractor Working Capital
We connect US construction firms and trade contractors to lenders offering fast, accessible working capital loans for payroll, materials, and equipment needs.
Checking options is free and does not affect your credit score.
- Retainage
- Progress billing
- Job costing
- Change orders
- Mechanics lien
- Mobilization costs
- Pay application
- Surety bond
Working capital financing and business loans for construction contractors and skilled trade businesses in the US.
Financing options matched to your situation, in one place.
- Working Capital Short term loans Bridge the gap between project milestones and your weekly payroll.
- Equipment Heavy machinery finance Acquire excavators or site tools without draining your cash reserves.
- Invoice Factoring services Turn outstanding client invoices into immediate operating cash today.
- Credit Business lines of credit Draw what you need for materials when project costs exceed estimates.
- $5K–$750K Available funding range
- 24–48 hours Typical approval speed
- 1 soft pull Zero impact on credit
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Construction experience
- Lenders understand job costing and long payment cycles.
- We focus on businesses with seasonal or project-based revenue.
Fast access
- Skip the 60-day bank approval process for smaller requests.
- Get decisions within 48 hours for immediate material purchases.
Flexible terms
- Options available for businesses with sub-prime credit history.
- Flexible repayment schedules aligned with your contract payments.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Your time in business is short
Traditional banks often require five years of operation.
Seasonal revenue dips
Retail banks dislike irregular construction income streams.
Lower credit scores
Banks view credit utilization as a primary risk factor.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Commercial HVAC Installer
Purchase specialized copper piping and cooling units for a school renovation.
Residential Framing Crew
Covering payroll for two weeks while waiting on a pending draw request.
Electrical Subcontractor
Purchasing inventory for a large municipal wiring contract.
Commercial Concrete Finisher
Converting a 90-day outstanding invoice into immediate working capital.
Better insurance coverage
Protect your assets from site theft and liability. We connect you with specialized brokers for general liability and builders risk policies.