Cover equipment payments, insurance and key wages when the ground is frozen or the rain won't quit. $25,000 to $5,000,000, 5-minute application.
Plan My WinterExcavation Slow Season
Excavation runs on seasons. We help contractors carry fixed costs through the quiet months so the business is ready when the work comes back.
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.
Five minutes online and about three months of statements. No tax returns required.
FICO from 500 is considered, along with your full deposit pattern.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
Repayment terms are laid out in the offer up front, so you can budget through spring.
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.
In much of the country, excavation slows hard when the ground freezes or the wet season sets in. Site work dries up, but equipment payments, insurance, yard rent and the wages of the people you can't afford to lose keep coming. Even in warmer regions, the gap between the end of one season's jobs and the start of the next can leave the account thin. Slow-season funding for excavation is meant to carry the business across that gap so you start spring at full strength.
The best slow-season plans start with a simple monthly list of fixed costs, multiplied by the number of thin months, minus whatever reserve you already have. That number is the gap. The amount we can offer depends mainly on your deposits and existing obligations, and funders look at how your deposits behave across the year, so a seasonal dip with a strong busy season is a normal pattern to explain.
A business line of credit for excavation can work well here, since you draw only what each month needs. A lump sum of working capital fits when the costs are known up front.
For illustration: a northern excavation contractor finishes its last foundation dig in late November. Through the winter it still owes payments on two excavators and a loader, plus insurance and a few salaries. The owner applies in early fall while deposits are still strong, chooses an amount that covers about three months of fixed costs, and reviews an offer that sets out the full repayment amount and schedule. The crew comes back in spring, the machines are serviced and ready, and the first jobs of the season begin rebuilding the reserve.
Apply in about five minutes and share roughly three months of business bank statements. We consider FICO scores from 500, start with a soft credit pull and do not ask for tax returns. Sole proprietors can apply. For a year-round view, see our excavation cash flow guide, or apply now.
Applying near the end of your busy season is often smart, since recent deposits reflect your strongest months. You can still apply during the slow season.
Funders look at deposit patterns and existing obligations. A seasonal dip is a common pattern in excavation and is weighed along with the rest of your history.
Yes. Working capital can cover equipment notes, leases, insurance, rent and payroll.
Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
It depends on your costs. A line of credit lets you draw as needed. A lump sum is simpler when you know the total up front.
Example uses for illustration only.
Seasonal businesses that plan ahead tend to get through the quiet months with less stress.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding