Buy lumber, steel, drywall and long-lead items before prices or lead times move. Five-minute application, about three months of statements, no tax returns.
Fund My MaterialsConstruction Materials Funding
Materials go out weeks before the invoice comes in. We fund working capital based on your deposits so you can buy ahead, take volume pricing and avoid stalled starts.
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 three months of bank statements and a five-minute application. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with a soft pull to start. Your deposits tell most of the story.
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, so you can match it to when jobs bill.
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.
Builders rarely call it inventory, but that is what it is: lumber, steel studs, drywall, roofing, wire, pipe and fixtures that you buy before you can bill for them. When lead times stretch or a supplier offers a better price on a full truckload, the contractors with cash on hand get the materials and the schedule. Everyone else waits.
In each case, the money goes out weeks before the matching invoice comes in.
Working capital is the most flexible route because it can cover materials from any supplier along with freight and storage. A business line of credit works well if you buy materials in waves throughout the year. If you also need a forklift or a trailer to move the materials, look at equipment financing for that piece.
Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposits over about the last three months and on obligations you already have. A materials list or supplier quote helps you request the right figure, but your bank activity drives the offer.
The application takes about five minutes. We start with a soft credit pull, consider FICO 500+, and do not require tax returns. Qualified businesses can be funded in as little as 24 hours.
Buying ahead only pays off if the materials turn into billed work. Tie each purchase to a signed job or a confirmed start date, and check that your offer's repayment schedule, shown in full before you accept, lines up with when those jobs get paid.
Yes. Working capital is not tied to a single vendor, so you can buy from whoever has the best price and lead time.
It helps you request the right amount, but the offer is based mainly on your recent deposits and existing obligations.
No. Supplier credit is limited to one vendor and its terms. Working capital gives you cash you can use anywhere.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Commercial specialty trades and small contractors with steady deposits can apply, including sole proprietors.
Yes. Many contractors use one round of working capital to stage materials for several upcoming jobs, as long as each purchase ties back to work that will bill.
Example uses for illustration only.
These practices help materials funding pay for itself.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding