Cover mobilization, materials and a larger crew before the first pay app clears. Five-minute application, about three months of statements.
Fund the JobConstruction Contract Funding
Large contracts front-load costs and back-load payments. We fund working capital from your current deposits so the new job does not starve your other projects.
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 five-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with a soft pull to start. We weigh your deposit history heavily.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in the offer up front, ready to set against the 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.
A contract twice the size of your usual job changes your cash flow overnight. Mobilization, bonding, materials, a larger crew and maybe an extra superintendent all hit in the first month. The first pay app might be 45 days out, and retainage holds back part of every payment until closeout. Contractors who are profitable on paper still get squeezed by that timing.
| Cost | When it hits |
|---|---|
| Mobilization and site setup | Week one |
| Materials and long-lead deposits | Before work starts |
| Added crew and supervision | Every week |
| Equipment rentals | Ongoing |
| Insurance and bonding requirements | Before notice to proceed |
Revenue from the job typically starts only after the first pay app is approved.
We fund working capital for construction companies from $25,000 to $5,000,000. The amount is based mainly on about three months of business bank deposits and your existing obligations, so it reflects what the current business can carry while the new job ramps up. If your needs come in waves across the job, a business line of credit may fit better. You can also compare a merchant cash advance if your deposits come from many smaller jobs.
Our application takes about five minutes. We start with a soft credit pull, consider FICO 500+, and ask for about three months of bank statements with no tax returns. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Applying as soon as the award is confirmed gives you time to review the offer carefully.
Your offer shows the full repayment amount and the repayment schedule before you accept. Lay that schedule next to the contract's billing calendar and retainage terms. Make sure the payments are covered by your existing work during the first 60 days, before the big job is paying you consistently.
What if the job runs longer than planned? Schedule slips are common on large jobs. Build a cushion into your cash plan and check that the repayment schedule in your offer still works if the first pay app arrives a few weeks late.
You can apply anytime, but most owners wait for a confirmed award so they know exactly what the job needs.
Not directly. The offer is based mainly on your recent deposits and existing obligations.
Working capital can cover many front-end costs, including expenses tied to meeting bonding and insurance requirements.
Factor retainage into your cash plan and check that the repayment schedule in your offer works without it.
Qualified businesses can be funded in as little as 24 hours after approval.
Yes. Sole proprietors can apply if the business shows steady deposits.
Example uses for illustration only.
These habits make big contracts easier to fund and finish profitably.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding