Mobilize, make payroll and buy materials before the first pay app clears. About three months of statements, no tax returns, FICO 500+ considered.
Check My OptionsConstruction Working Capital
A full schedule still needs cash up front. We review your deposits and lay out every cost 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.
Five-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered with a soft pull to start. Draw history matters.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
The repayment schedule is laid out up front so you can match it to your billing cycle.
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.
Ask any builder and they will tell you the same thing: a good backlog does not mean a healthy bank balance. Mobilizing a new job costs money before you bill. Payroll runs weekly while pay apps run monthly. A change order gets approved verbally and paid sixty days later. Working capital is cash you can use across those gaps, from crew wages to permit costs to a supplier deposit.
We focus on about three months of business bank statements. Those show the rhythm of your draws, how the balance holds up between them, and any obligations already in place. The application takes about five minutes, starts with a soft credit pull, and FICO 500+ is considered. No tax returns required, and sole proprietors can apply.
Consider a small commercial builder starting a tenant improvement job. Mobilization, the first two weeks of labor and an early material order land before the first pay app is even submitted. The owner totals those costs, adds a cushion in case the first draw slips, and requests that amount. It is a better approach than asking for the biggest possible number, because the payments stay manageable. The final amount depends mainly on deposits and existing obligations.
Being straight about this saves everyone time. If a project is losing money on every pay app, fresh cash only stretches the loss. If costs come in repeating waves rather than one bump, a line of credit usually fits better. And if the need is a specific excavator or lift, equipment financing ties the money to the machine. Working capital works best when a known cost sits in front of a payment you expect to collect.
Every offer lays out the full repayment amount and the schedule before you accept, with no surprise costs once you sign. If your needs come and go, compare a construction line of credit. When you are set, apply here.
Yes. Mobilization, early labor and first material orders are common uses.
Funding can arrive in as little as 24 hours for qualified businesses.
From $25,000 to $5,000,000, based mainly on your deposits and existing obligations.
No tax returns are required. About three months of business bank statements and a 5-minute application are the starting point.
Yes. FICO 500+ is considered, and we weigh your current deposits heavily.
Example uses for illustration only.
These steps make a construction company's application stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding