Keep installers paid while you wait on GC payments and retainage. Apply in 5 minutes; funding in as little as 24 hours for qualified businesses.
Cover My CrewFlooring Payroll Funding
Flooring jobs often pay weeks after the work is done. Payroll funding bridges the gap so installers stay paid and your next jobs start on time.
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. Funding in as little as 24 hours if qualified.
FICO 500+ considered. We weigh deposits and current obligations.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer, so you can plan around incoming draws.
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.
Flooring work has a built-in timing problem. Your installers, helpers, and estimators expect a paycheck every week or two. Commercial jobs often pay on progress draws or at completion, sometimes with retainage held back, and a general contractor may take weeks to process an invoice. Flooring stores can see the same squeeze when a large order is delivered and installed before the final payment clears.
Payroll funding gives you a cash cushion so crews get paid on time even when receivables run late.
For illustration: a flooring contractor finishes LVT and carpet tile in a medical office build-out and invoices the general contractor. Payment is expected in about a month. Meanwhile, two more jobs are starting and the crew has grown to support them. The owner uses working capital to cover several payroll cycles, keeps every installer on the schedule, and repays on the timeline laid out in the offer as payments from the GC come in.
For a one-time gap, working capital for flooring is straightforward. If payroll gaps come up whenever a big job is in progress, a business line of credit for flooring lets you draw only when you need it. Contractors with steady card or receivable deposits may also look at a merchant cash advance, repaid from future receivables. Our flooring cash flow guide covers how to plan around draw schedules.
We review about three months of business bank statements and your existing obligations. No tax returns are required, FICO 500+ is considered, and sole proprietors, such as an owner-installer with a small crew, can apply. Funding ranges from $25,000 to $5,000,000, depending mainly on deposits. The application takes about five minutes, starts with a soft credit pull, and qualified businesses can be funded in as little as 24 hours. Your offer shows the full repayment amount and schedule before you accept. Apply now.
Yes. Many flooring owners use working capital to cover crew payroll, and it can also go toward materials or overhead.
Funders look at the overall deposit pattern and existing obligations. Uneven timing is common in contracting and is one factor among several.
They are not required to apply. We mainly review about three months of business bank statements.
Qualified businesses can be funded in as little as 24 hours, which can help you make an upcoming payroll.
We start with a soft credit pull, so applying does not affect your score at that stage.
Example uses for illustration only.
These habits make payroll funding easier to arrange.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding