Materials due today, retainage held for months, the excavator priced like a house — construction cash flow is its own animal. We fund contractors every week, and it shows.
Three quick questions — built for the trades.
Secure & confidential. No obligation.
At a Glance
Programs sized for how construction money actually moves — in lumps, on lags, against retainage.
The Problem We Solve
Construction is the only industry where you can win a seven-figure contract and immediately have a cash flow problem. Mobilization costs land before the first draw, GCs pay in 45–90 days, and retainage locks up your margin until closeout.
Generic lenders read that volatility as risk. We read it as Tuesday. Our construction programs are underwritten by lenders who fund contractors constantly — so the seasonality, the lumpy deposits and the receivable lags don’t sink your application. They explain it.
The Toolkit
Different phases of a project need different capital. Here’s the full belt.
Bridge the gap between mobilization and first draw — payroll, materials and subs covered while the paperwork catches up.
Working capitalExcavators, skid steers, trucks and tools — new, used or auction — financed up to 100% so your cash stays on the job.
Equipment financingTurn slow-paying GC and developer invoices into 24-hour cash. Retainage-aware structures available.
Invoice factoringA standing line for material buys and surprise change orders — draw when the job demands, pay only on what you use.
Line of creditSimple Process
Tell us about the contract and the crunch — we’ll match the instrument to the moment.
Four minutes below: revenue, the contract or need, and your timeline. Contract copies and bank statements speed everything.
~4 minutesA human who knows retainage from a lien waiver reviews your file and scopes the right program — often the same day.
Same dayWorking capital, equipment, factoring, a line — or a combination. You see costs and terms in plain numbers first.
Your callWorking capital lands in 24–48 hours; equipment and factoring setups typically run inside a week.
24–48 hrs
Who We Fund
From two-truck framing crews to GCs running eight figures, our lender bench covers the full construction economy — including the specialty trades that generalist lenders wave off.
Actively funding:
Questions, Answered
Not with us. Construction-fluent lenders underwrite your trailing twelve months and pipeline, not last month in isolation. Seasonal repayment schedules — heavier in season, lighter off — are available on many programs.
Yes. Factoring programs can advance against approved progress billings, and working capital can bridge retainage that’s contractually locked. Bring the contract terms; we’ll structure to them.
Constantly — including private-party sales. If you’re bidding at auction, tell us the date and we’ll work to have approval in place before the paddle goes up.
It doesn’t have to. We can structure around surety requirements — factoring in particular adds liquidity without balance-sheet debt, which many sureties actually like. Flag your bonding situation and we’ll plan for it.
This is one of our favorite calls. A signed contract with a creditworthy GC or owner is fundable collateral — through contract-aware working capital or factoring — even when your trailing revenue wouldn’t justify the amount alone.
No — exploring options uses a soft inquiry only. A hard pull happens only later, with your consent, once you choose a specific program.
Still curious? Read the full FAQ or call (877) 283-2321.
Get Funded
Four minutes. Upload a contract or bank statements in the documents step to move fastest.
What are you applying for?
Choose the option that fits best — you can always talk it through with a specialist.
How much funding do you need?
Drag the slider — a rough number is fine.
What's it for?A few details
This helps us match you with the right lenders.
Where should we send your options?
A funding specialist will review and reach out — no impact to your credit score.
Speed things up with documents (optional)
Recent bank statements help us get you approved faster. Accepted formats: PDF, PNG, JPG — max 3 files.
Review your application
Make sure everything looks right — then send it our way.
Thank you — your application has been received. A dedicated funding specialist will contact you within one business day.
Need us sooner? Call (877) 283-2321.
Success Stories
Contractors who stopped letting payment terms run the project schedule.
Called Monday, funded Thursday. That speed won a contract we would have lost otherwise.
Bridge financing closed our commercial purchase in under three weeks. Impressive execution.
From $40K working capital to a $250K expansion loan in two years. They grow with you.
Let's Get You Funded
Get capital structured around your draw schedule — applied in minutes, funded in days, explained by someone who knows the trade.
