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Construction funding

The lumber yard wants COD. Your first draw is 6 weeks out.

$50K to $500K. In your account tomorrow. Direct funded. 24 hours.

See What You Qualify For
24HR Avg time to fund
$50K–$500K For contractors
No credit pull To apply
Direct Funder
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Estimator · No credit pull

What can businesses your size actually fund?

Pick three things. We'll show the typical range. The real number takes 3 months of statements and 4 hours.

The real problems

You win the bid. Then you front everything.

Construction is a cash-first business. You pay for materials, labor, and equipment weeks before the first draw shows up.

Materials are COD or net-15

$40K in framing lumber. $25K in concrete. Suppliers want payment now. Your draw schedule starts at 30% completion.

$50K-$150K typical

Crew payroll between inspections

You've got 8-15 guys on site. That's $30K-$60K a pay period. The inspector is 2 weeks behind schedule. Your guys don't care.

Same-day decision

Equipment when the job demands it

A used excavator is $45K-$80K. Renting one for 6 months costs more than buying. But your bank wants 3 years of tax returns first.

$50K-$200K typical

Bonding capacity and bid deposits

That $2M municipal job requires a $200K bond. Your bonding company looks at your cash position. More cash = bigger jobs you can bid on.

Bid bigger
How it works

Apply today. Funded tomorrow.

We look at your bank statements, not your credit score. Most contractors hear back within hours.

01 Apply

60-second application

Business name, monthly revenue, time in business. No tax returns. No P&L.

02 Review

We review 3 bank statements

No credit pull. No collateral. No lien on your equipment. We look at cash flow.

03 Fund

Cash hits your account

24-48 hours after approval. Use it for materials, payroll, equipment, whatever you need.

Day 0 · Apply Day 0 · Review Day 1–2 · Funded
Last month

GC in NJ. Commercial build. 31 hours.

”

Won a $1.2M commercial contract. Needed $85K upfront for steel and concrete before the first draw. Bank wanted 3 weeks. We funded it in 31 hours. He broke ground on schedule.

$85,000 Funded
31 HRS Apply to cash in account
0 Equipment liens required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Contractor funding — answered.

Do you fund construction businesses with bad credit?+

Yes. We've funded construction businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a contractor get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can construction businesses qualify for?+

$50K-$500K is the typical advance range for construction businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No lien. No collateral. Just a quick form and we'll tell you what you qualify for today.

Apply Now
✓ No credit pull ✓ No obligation ✓ Decision same day