Why construction companies in San Antonio qualify
Construction companies in San Antonio are classified under Construction of Buildings and Specialty Trade Contractors, an eligible category. Industry is therefore not the question; the four things every file is read on are. Commercial and institutional building and specialty trades are eligible. New residential construction and residential remodelling are restricted.
The cash-cycle problem
Progress draws on 30-60 day terms against weekly payroll and up-front materials.
In San Antonio that usually means capital goes to materials for a signed contract, payroll between draws, equipment, bonding support.
What applies in San Antonio
San Antonio runs on military installations, tourism and healthcare.
Texas funds normally on every tier.
Texas has a short winter, which shortens the trough for construction companies in San Antonio without removing it.
Storm-driven work in the San Antonio area arrives in surges and settles on the insurer’s timetable, which is the gap capital usually has to cover.
State contractor licensing applies in most states.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund construction companies in San Antonio?
Yes. Commercial and institutional building and specialty trades are eligible. New residential construction and residential remodelling are restricted.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file.
What if revenue is seasonal?
Weather and permit cycles drive it; winter is the constraint in northern states. Underwriting reads the average and the deposit count, not the peak month.