Why excavation contractors in Phoenix qualify
Excavation contractors in Phoenix are classified under Site Preparation Contractors, an eligible category. Industry is therefore not the question; the four things every file is read on are. Site work for commercial projects is eligible; new residential construction is restricted.
The cash-cycle problem
Draw-based billing with heavy equipment and fuel costs incurred first.
In Phoenix that usually means capital goes to excavators, dozers, attachments, trucking, crew, fuel for a signed contract.
What applies in Phoenix
Phoenix runs on one of the fastest-growing metros in the country, with construction following the population.
Arizona funds normally on every tier.
Excavation contractors runs close to twelve months a year in Phoenix, which produces steadier deposits than the same trade in a northern metro.
Storm-driven work in the Phoenix area arrives in surges and settles on the insurer’s timetable, which is the gap capital usually has to cover.
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 excavation contractors in Phoenix?
Yes. Site work for commercial projects is eligible; new residential construction is 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 ground conditions drive it; frozen ground stops work. Underwriting reads the average and the deposit count, not the peak month.