Industry Funding · Contractors & Construction

Funding Built for Contractors

You front labor, materials, and mobilization — then wait on draw schedules and retainage. We fund the gap so you can take the next job instead of turning it down.

Apply Now Call (786) 834-2395

The Cash-Flow Reality

Construction cash flow is structurally broken: you pay for everything upfront and get paid on someone else's schedule. Progress payments lag 30–60 days, retainage holds 5–10% hostage until closeout, and general contractors stretch net terms when their own financing tightens. Profitable contractors turn down winnable bids every week because the working capital is tied up in the last three jobs.

What This Capital Funds

Mobilization costs on newly awarded jobs
Materials purchases ahead of draw schedules
Equipment purchase, repair, and rental conversion
Payroll between progress payments
Bonding, insurance, and licensing requirements
Taking on larger contracts with confidence

Solutions That Fit

Working Capital →Equipment Financing →Line of Credit Alternatives →Commercial & Bridge →

An Example Scenario

A GC awards your company a $400K buildout. Mobilization, first materials order, and three weeks of payroll cost $85K before the first draw arrives. A working capital advance or line-style facility covers the ramp; the draw schedule services it. You keep your cash reserves intact for the next award.

Illustrative example only — not a guarantee of approval, amount, or terms.

Qualifying

Most contractor programs look for 6+ months in business and consistent monthly deposits. Seasonal revenue patterns are understood and underwritten accordingly — a slow Q1 doesn't disqualify a strong operator. The fastest way to know where you stand: a two-minute application or a call to (786) 834-2395.

Common Questions

Can I get funding between draws on an active job?

Yes — that's the most common contractor scenario we fund. Bank statements showing your deposit history and the executed contract are typically enough for review.

Do you fund subcontractors or only GCs?

Both. Subs often have the sharpest cash-flow gaps because they're furthest from the owner's money, and our programs are structured for exactly that.

Can I finance equipment and get working capital at the same time?

Often, yes. Equipment financing secured by the asset plus a working capital facility is one of the most common contractor structures we build.

Capital That Understands Contractors & Construction

Apply in minutes or call now — a specialist who knows your industry's cash flow will review your options with you directly.

Apply Now Call (786) 834-2395