Carry payroll, rent and materials from the last job to the next one. Working capital from $25,000 for project-based businesses with steady deposits.
Cover My GapProject Gap Working Capital
Project work pays in bursts. We read your deposits across a few months, not one slow week, and show the full repayment amount before you accept.
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 statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your deposit history and booked work count alongside your score.
The full repayment amount is in your offer before you accept, and no surprise costs show up after you sign.
Your offer lays out the repayment schedule up front so you can match it to when the next job pays.
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.
Contractors, installers, event companies, agencies and anyone else paid by the project know the pattern. One job wraps, the final payment arrives, and then there are two or three weeks before the next one mobilizes. Crews still need to be paid if you want to keep them. Trucks, insurance and rent do not pause. The next job may even need materials bought before it starts.
Funding for cash flow gaps between jobs keeps the business steady through that stretch. We offer working capital from $25,000 to $5,000,000, and the application takes about 5 minutes.
Project businesses rarely show smooth monthly revenue, and underwriters who work with them expect that. What they weigh:
The real cost of a gap is often losing good people to a competitor who has work this week. Owners use gap funding for payroll, for deposits on materials for the next job, and for the equipment repairs they put off while busy. If you are lining up the next project, see our page on funding for a new contract start.
A business line of credit fits recurring gaps well: draw when a job ends, repay when the next one pays. Working capital suits a single larger gap. Revenue-based financing can work when repayment should flex with incoming deposits. Sole proprietors can apply for each.
Each offer shows the full repayment amount and the repayment schedule before you accept, so you can map it against when your next job is expected to pay.
Yes. Funders who work with project businesses expect uneven deposits. They look at activity across about three months of statements, your existing obligations and your credit rather than one slow week.
It can. A contract or scheduled job helps explain a quiet period in the statements. It is weighed alongside your deposit history.
Yes. Keeping crews paid between jobs is one of the most common uses, along with materials for the next project and catching up on repairs.
If gaps happen several times a year, a line of credit lets you draw only when needed. For one larger gap, a lump sum of working capital is simpler.
Funding can arrive in as little as 24 hours for qualified businesses. Applying as a job winds down gives you time before the gap hits.
Example uses for illustration only.
Owners who prepare these items usually get a cleaner review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding