Pay your crew on Friday even when the GC pays in 60 days. Apply in five minutes with about three months of business bank statements.
Cover My PayrollConstruction Payroll Funding
Construction cash flow is lumpy and payroll is not. We fund working capital based on your deposits so your crew gets paid while receivables and retainage catch up.
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, a five-minute application, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft pull starts the process, and steady deposits carry real weight.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is in the offer up front, so you can line it up against expected pay apps.
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 payroll runs weekly. Your income does not. You might bill monthly against a schedule of values, wait 30 to 60 days for the owner to pay the GC, and then wait again for the GC to pay you, with retainage held back until closeout. Your carpenters, laborers and operators still expect a check every Friday.
That mismatch is the most common reason construction owners come to us. The business is profitable on paper, but the money is sitting in receivables.
We provide working capital for construction companies that you can use to cover wages, payroll taxes and workers' comp payments during the stretch between billing and collection. Some owners prefer a business line of credit so they can draw only in the weeks a payment runs late.
Funding ranges from $25,000 to $5,000,000, sized mainly from your recent deposits and the obligations you already carry.
No tax returns are required. Sole proprietors and small subcontractors can apply as well as larger general contractors.
The best time to apply is before payroll is at risk, not the night before. Our application takes about five minutes, decisions move fast, and qualified businesses can be funded in as little as 24 hours. Giving yourself a few days of cushion keeps the decision calm.
Each offer shows the full repayment amount and the repayment schedule before you accept. Line that schedule up against your expected collections. If your largest pay app lands mid-month, make sure the repayments in the weeks before it are comfortable from your current deposits alone. Missing payroll costs you crew; overextending on repayment costs you margin. The right offer avoids both.
Is payroll funding a good fit if my gaps happen every month? If the gap repeats every billing cycle, a business line of credit you draw on as needed is often a better fit than repeated lump sums. We can walk through both options with you.
You can use working capital for payroll, payroll taxes and related costs. Many owners also cover a few job expenses with the same funds.
No. We focus on about three months of business bank statements and basic business information.
Expected retainage is useful context, but the offer is based mainly on the deposits your account already shows.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Yes. Sole proprietors and small crews can apply as long as the business has steady deposits.
We start with a soft credit pull, which does not affect your credit score.
Example uses for illustration only.
These moves make payroll gaps smaller and easier to bridge.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding