FICO 500+ considered. We look at your job deposits, not just a score. Three months of bank statements and a soft credit pull to start.
Check My OptionsConstruction Funding, Credit Flexible
Slow winters and unpaid invoices hit owner credit hard. We review where the business stands now and show the full cost before you accept.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Three months of bank statements and a 5-minute application. No tax returns. Funding in as little as 24 hours for qualified businesses.
We begin with a soft pull and weigh your deposits and obligations alongside credit history.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is spelled out in the offer, so there are no guesses about what comes next.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Construction is hard on personal credit. Owners float materials on personal cards, cover a slow winter out of pocket, or absorb a customer who never paid the final invoice. None of that means the company is weak. It usually means the owner carried the business through a rough stretch.
That is why we consider FICO scores of 500 and up. A score is one input. The deposits flowing through your business account tell us a lot more about where the company is today.
We start with a soft credit pull, so looking at your options does not ding your score. From there, we look at about three months of business bank statements. Things that help a file:
Things that make a file harder include frequent negative balances, a run of recent new debt, or deposits that dropped off sharply. None of these is a single deciding factor; they are weighed together. Our construction qualification guide goes deeper.
Several of our products lean more on revenue than on credit history. A merchant cash advance for construction is tied to future receivables. Revenue-based financing for construction is built around incoming revenue. Working capital and equipment financing are also available. Funding runs from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.
We will not tell you that a particular score is fine or that a past issue is an automatic no. Every file is weighed as a whole: credit history, deposit consistency, account health and existing obligations together. What we can promise is a clear process. You see the full repayment amount and schedule in writing before you accept, and there is no obligation to take an offer that does not fit your cash flow.
Be realistic about the amount. Ask for what the job or gap actually needs, not the most you think you can get. Bring three months of statements, know your current balances owed, and fill out the 5-minute application. Every offer shows the full repayment amount and schedule before you accept, so you can decide with real numbers in front of you.
FICO 500+ is considered. Credit is weighed alongside your deposits and existing obligations, not on its own.
We start with a soft credit pull, which does not affect your score like a hard inquiry.
You can apply. Funders weigh items like these together with your current deposits and how recent the issues are.
No. It is still about three months of business bank statements and a short application. No tax returns.
Yes. Sole proprietors can apply.
Example uses for illustration only.
Some honest steps can strengthen a construction file with credit challenges.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding