Cover materials, payroll and overhead while you wait on draws. A 5-minute application with about three months of bank statements.
Start ApplicationWorking Capital
Electrical work pays, just not right away. Working capital keeps crews paid and parts stocked while pay applications move through the process.
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 5 minutes to apply and roughly three months of statements. Funding in as little as 24 hours for qualified shops.
FICO 500+ considered. A soft pull starts the process and your deposits carry weight.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is set out in your offer from the start.
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.
On a typical commercial job you are rough-in, trim-out and inspections deep before the general contractor's payment clears. On the residential side, service calls pay quickly but panel swaps and remodels can stretch out. The work is profitable. The timing is what hurts.
Working capital is money for running the business day to day: materials, payroll, insurance, fuel. It gives you breathing room between doing the work and getting paid for it.
We look mainly at the deposits moving through your business bank account and at what you already owe. That means:
No tax returns are required. Sole proprietors can apply. Funding runs from $25,000 to $5,000,000 overall, and your amount follows your deposits.
Say a three-truck shop lands a tenant improvement job that needs fixtures, conduit and a second crew for four weeks before the first draw. Working capital can cover the material order and payroll so the shop does not have to turn down the next service call while it waits. This is for illustration only; your offer depends on your own numbers.
More scenarios are on our electrical contractor cash flow guide and inventory funding page.
Demand for electrical work shifts through the year. New construction often slows when the weather turns, while service calls, generator installs and heating-related work can pick up. Commercial jobs follow their own budget cycles. We read your statements across a few months so the offer reflects your normal pattern, not just your best or worst week. If you know a slow stretch is coming, our slow season funding page is worth a read before you apply.
If you would rather draw only what you need, compare a business line of credit. For trucks, lifts and testing gear, look at equipment financing for electrical contractors. Shops with heavy card volume sometimes use a merchant cash advance.
Your offer shows the full repayment amount and schedule up front. Line it up against your expected draws and service revenue. When it fits, apply here.
Yes. Payroll during slow pay cycles is one of the most common uses for electrical contractors.
No. We work from about three months of business bank statements.
We look at deposit history overall. Slow but reliable payments still show up in your statements over time.
We start with a soft credit pull, which does not affect your score.
In as little as 24 hours for qualified businesses.
Example uses for illustration only.
These habits help an electrical shop present a clean file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding