Draw for materials, subs and payroll as each project needs it. Soft pull to start, FICO 500+ considered, no tax returns.
Get My LineConstruction Line of Credit
Several jobs, several billing cycles, one checking account. A line lets you cover what each week needs and repay as pay apps clear.
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.
A 5-minute application and about three months of statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered with a soft pull to start. Project deposits weigh heavily.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
How and when you repay is laid out in the offer up front, so it fits your pay app calendar.
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 cash needs are rarely one big event. They are a steady series of smaller hits spread across several projects: a lumber delivery on one job, overtime on another, an equipment repair on a third. A business line of credit lets you draw for each as it comes and repay as pay apps clear, instead of borrowing one lump sum and paying on money you are not using yet.
A commercial general contractor running four commercial jobs might draw in March to cover a framing sub while the first pay app is pending, repay when it clears in April, then draw again in May for a roofing package. The line becomes a revolving buffer between billing and payment. Your offer explains how draws and repayment work, and the full repayment amount, before you accept.
No tax returns required. Sole proprietors can apply. We look at how steadily draws and payments land in your account, and what obligations already pull from it.
Construction statements can look lumpy, and that is expected. A large draw lands, then the balance falls as subs and suppliers get paid. What we look for is whether that cycle repeats in a steady way over about three months. Consistent incoming draws, few returned payments and a clear picture of existing obligations make a line easier to size. A single huge deposit followed by weeks of nothing is harder to read, so if that happened because a project was delayed, say so when you apply. Generally, the line size follows your deposits and existing obligations more than any single factor.
For a single known cost, working capital for construction may be simpler. For a specific machine, look at construction equipment financing. Our construction cash flow guide covers timing in more depth. Ready? Apply in about five minutes.
Funding runs from $25,000 to $5,000,000, sized mainly by your deposits and existing obligations.
Your offer explains exactly how draws and repayment work before you accept.
It depends on the pattern. Recurring, uneven gaps often suit a line; one defined cost often suits a lump sum.
About three months of business bank statements and a short application. No tax returns.
Funding can arrive in as little as 24 hours for qualified businesses after you accept.
Example uses for illustration only.
Before applying, clean up the details a reviewer checks first.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding