Cover fuel, payroll and mobilization while you wait on draws. Apply in 5 minutes with about three months of bank statements and no tax returns.
Check My OptionsExcavation Working Capital
Excavation pays at the end and costs at the start. Working capital bridges that gap so you can staff the next job without waiting on the last one to close out.
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.
Apply in about 5 minutes with roughly three months of statements. Funding in as little as 24 hours for qualified contractors.
FICO 500+ considered. We start with a soft pull and give real weight to your deposit history.
Your offer shows the total repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so you can line it up with expected draws.
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.
Excavation work is front-loaded. You mobilize the machines, burn fuel, pay operators and haul off spoils long before the general contractor or owner releases a draw. On a good job the money does arrive, but it arrives on someone else's schedule. Meanwhile the next bid is due and the crew still expects a paycheck on Friday.
Working capital is meant for that stretch. It puts cash in the operating account so the business can keep moving while receivables catch up.
We start with a 5-minute application and a soft credit pull. From there we look at about three months of business bank statements to see how money moves through the company: deposit size, how often draws land, and what already comes out each month. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply.
This is built for established excavation outfits with steady deposits. Funding ranges from $25,000 to $5,000,000, and the amount you see depends mainly on your deposits and existing obligations.
Working capital is a lump sum for general operating needs. If you want to draw only when a job demands it, compare a business line of credit for excavation. If the need is a specific machine, equipment financing for excavation ties the funding to the asset. Our excavation cash flow guide walks through planning around retainage and slow pay.
You check a bid line by line before you sign it. Do the same here. Every offer shows the full repayment amount and the payment schedule before you accept. Hold that schedule against your expected draws, and ask for less if it feels tight. When the numbers work, apply in about 5 minutes.
Slow pay is common in excavation. We look at your deposit history over about three months, so a pattern of lumpy but steady draws can still be reviewed.
Retainage lowers what lands in your account until a job closes out. We review what actually deposits, so it shapes the amount rather than ruling you out on its own.
Funding can arrive in as little as 24 hours for qualified businesses once your statements are in.
No tax returns are required. About three months of business bank statements and a short application are the starting point.
Yes. Sole proprietors can apply, as long as the business has steady deposits running through a business bank account.
Example uses for illustration only.
A few habits make an excavation company's file faster to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding