Revenue-Based Financing for Painting Contractors

Financing that reads your deposits, not your tax return

Most painting companies do not earn the same amount every month. Spring and fall bring exteriors, summer can be packed, and winter often shifts to interiors at a slower pace. Revenue-based financing is sized from the revenue moving through your business bank account, which makes it a natural fit for a trade with that kind of rhythm.

We review about three months of business bank statements. We do not ask for tax returns, which matters for painters who write off heavily and show modest net income on paper.

How it differs from a fixed loan

With a traditional loan, the bank looks backward at profit and sets a fixed payment. Revenue-based financing looks at your gross deposits and existing obligations to set an amount, and the structure is tied to the business's revenue. The specifics, including the full repayment amount and the repayment schedule, are written into your offer before you accept anything.

If you want to compare products side by side, see line of credit vs. merchant cash advance for painting contractors.

Where painters put it to work

1. Taking on a multi-building commercial repaint that needs a bigger crew for a few weeks
2. Buying materials in bulk before a price increase
3. Adding a second truck and trailer so two crews can run at once
4. Covering payroll while retainage sits with the general contractor

For growth projects specifically, our painting contractor expansion funding page goes deeper.

A quick example of the math

For illustration only: a residential and light commercial painting company deposits fairly steady revenue from March through November, then sees deposits fall off in the colder months. When we review three months of statements from the busy stretch, we also ask about the slow season and look at existing obligations. A painter carrying no other advances and depositing consistently will generally be looked at differently than one with the same revenue spread across several outstanding obligations.

The point is that revenue-based financing reflects your actual deposit history. It is worth applying when your statements are clean and representative, and worth reading the repayment schedule in your offer against December and January before you accept.

Who tends to be a fit

We built this for established painting businesses with steady deposits. FICO 500+ is considered, sole proprietors can apply, and we start with a soft credit pull. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

Ready to see numbers? Start the 5-minute application.