Keep operators, drivers and laborers paid on time while site work invoices catch up. $25,000 to $5,000,000, 5-minute application.
Cover PayrollExcavation Payroll Funding
Skilled operators are hard to replace. We help excavation contractors meet payroll on schedule, with repayment drawn from the deposits your jobs bring in.
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. No tax returns required.
FICO from 500 is considered. Steady deposits weigh heavily.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer, so you can plan it around pay periods.
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.
Excavation is labor and machine heavy. Your operators, laborers, truck drivers and foremen expect a paycheck every week, but the developer or general contractor pays on their own cycle, often 30 days or more after you bill, and sometimes later. Payroll funding for excavation companies bridges that gap so you never have to choose between a good operator and a late invoice.
For a single gap, working capital for excavation gives you a lump sum to cover a few payroll cycles. If payroll gaps come up often, a business line of credit lets you draw when needed. Some excavation firms prefer revenue-based financing, where payments move with revenue.
Whichever you choose, your offer shows the full repayment amount and schedule before you accept.
For illustration: an excavation contractor running two sites in the spring has six operators and four laborers on payroll, plus two dump truck drivers. A developer on the larger site moves the payment date for a big invoice back by three weeks. Payroll does not move. The owner uses working capital to cover two payroll cycles and the payroll taxes that go with them, then repays from deposits as the developer and other clients pay. Nobody gets a late check, and the crew stays put for the rest of the season. The amount was sized to the gap, not to the full invoice, so repayment stayed manageable for the business as it stood.
For more ways to plan around slow payers, read the excavation cash flow guide.
We look at about three months of business bank statements to understand your deposits. FICO scores from 500 are considered and no tax returns are required. We start with a soft credit pull. Sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Start the 5-minute application.
Working capital can be used for payroll-related costs, including the employer side of payroll taxes.
We offer $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. This is funding for your business based on your bank statements, not invoice factoring, so we do not contact your customers.
Qualified businesses can be funded in as little as 24 hours. Apply a few days ahead of payday when you can.
No tax returns are required. About three months of business bank statements is usually enough to start.
Example uses for illustration only.
These habits help payroll stay covered even when invoices run late.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding