Gear and wire up front, payment on net terms. Get working capital from $25,000 to buy materials and keep your electricians on the job.
See My OptionsElectrical Contractor Cash Flow
Electrical contractors carry material and skilled labor costs long before the pay app clears. Funding based on your deposits bridges that timing.
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 bank statements. Qualified shops can be funded in as little as 24 hours.
FICO scores from 500 are considered. Your job deposits carry real weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your offer lays out repayment up front so you can line it up with your billing cycle.
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.
Electrical work carries two heavy upfront costs. The first is material: wire, conduit, panels, switchgear and fixtures, often bought in volume and sometimes with long lead times on gear. The second is skilled labor. Licensed electricians and apprentices are hard to replace, so most shops keep them on payroll even when the next job slips a week.
Revenue arrives later through progress billing, with retainage held back on many commercial jobs. Service and residential work pays faster but in smaller amounts. Most electrical contractors run a mix, and the cash timing of each piece is different.
Often paid at completion or within a short window. This is your fastest cash and worth protecting.
Billed monthly against a schedule of values, paid on net terms, with retainage. Material buys hit before the first pay app.
Recurring and predictable. A steady base that helps carry the rest.
Knowing what share of revenue comes from each type tells you how much cushion you need.
Capital helps when you have won a larger job and need to buy gear and staff it before the first payment clears, or when a slow-paying general contractor stretches your cycle. We offer working capital for electrical contractors, a business line of credit for recurring gaps, and equipment financing for bucket trucks, lifts and testing equipment.
Funding runs from $25,000 to $5,000,000 based mainly on your deposits. We review about three months of business bank statements, consider FICO scores from 500, and do not require tax returns. Sole proprietor electricians can apply. Apply in about 5 minutes with a soft credit pull; qualified contractors can be funded in as little as 24 hours.
Yes. Buying materials for a job you have won is a common use. The amount depends mainly on your deposits and existing obligations.
Yes. Sole proprietors can apply as long as the business shows steady deposits.
We focus on your bank deposits over time. Retainage and slow payers affect timing, which is exactly what working capital is designed to bridge.
If gaps return every billing cycle, a line of credit often fits. A lump sum suits a single large job or purchase.
About three months of business bank statements and a short application. No tax returns are needed.
Example uses for illustration only.
A few habits help electrical contractors keep cash moving and present a stronger file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding