Draw for repairs, rentals and materials when a job calls for it. Five-minute application, soft credit pull, and no tax returns required.
See My LimitExcavation Line of Credit
Breakdowns, rentals and rework do not wait for a draw. A line gives your excavation company a set limit to pull from when the need is real.
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.
About 5 minutes to apply and roughly three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft pull starts the process and your deposits count for a lot.
The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.
Repayment terms and timing are in the offer from the start, so each draw is planned, not guessed.
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.
No two months look alike in excavation. One month is a subdivision with weeks of mass grading; the next is three small septic jobs and a stretch of rain. A lump sum can sit idle in a slow month and fall short in a busy one. A business line of credit gives you a set amount you can draw from when a cost shows up, rather than taking it all on day one.
Owners tend to use a line for costs that are real but hard to time:
It starts with a 5-minute application and a soft credit pull. We then look at about three months of business bank statements. FICO 500+ is considered and no tax returns are required.
Funding across our products runs from $25,000 to $5,000,000. For a line, the limit depends mainly on your deposit pattern and what the business already pays out each month. Established outfits with steady deposits are the fit.
If you already know the exact amount and the purpose, working capital for excavation may be simpler. If the cost is a machine you plan to keep, look at equipment financing for excavation. And if you are weighing a line against an advance, we wrote up line of credit vs. merchant cash advance for excavation.
A line works best when every draw has a job attached to it and a plan to pay it back from that job's draws. Your offer shows the full repayment terms and the schedule before you accept, so you can see how each draw fits your cash flow. Ready to see a number? Start the application.
That is the point of a line. You get an approved limit and draw against it when a cost comes up, instead of taking one lump sum.
We look at about three months of deposits and the overall pattern. Seasonal dips are normal in excavation, and they factor into the size of the limit.
FICO 500+ is considered. We start with a soft credit pull, and your deposit history carries real weight.
The application takes about 5 minutes, and funding can arrive in as little as 24 hours for qualified businesses.
Yes. Sole proprietors can apply when the business runs steady deposits through a business bank account.
Example uses for illustration only.
These steps help an excavation company qualify for a stronger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding