IndustriesConstruction
Working Capital for Contractors Between Draws and Deposits
Materials, crew payroll and equipment between progress payments, so you can take the next job.
Use of funds
How Contractors Use Working Capital
Construction cash flow follows the job, not the calendar. Materials and crew payroll come due before progress payments arrive, and bigger bids need bigger upfront costs.
Materials Before the Next Draw
Crew Payroll Between Payments
Equipment Purchase or Repair
Bonding, Permits and Mobilization
Bidding Bigger Jobs
Any Other Business Purpose
Your business
What We Understand About Your Business
Draw Schedules
Materials and payroll come due before progress payments arrive.
Growth Needs Capital
Bigger bids need bigger upfront costs.
Equipment
Rent, buy or repair: each choice has a cash impact.
Questions, Answered
Same-day business funding is fast working capital for businesses with steady revenue. We shop your request across a wide range of funders and walk you through their offers. Funders typically structure it as a purchase of a portion of your future receivables rather than a loan: the funder pays you upfront and receives an agreed percentage of your receivables as you collect them, without charging interest. Funding is subject to approval and timing varies: funds can arrive as soon as same day after approval and signing.
The cost is set by the funder you choose: it's the difference between what you receive and the total receivables sold, plus any fees in the funder's agreement. It depends on your business and the funder, so we don't publish rates. Because we work with a wide range of funders, we can compare offers with you; the cost is fixed when you sign and shown in writing, with the disclosure your state requires, before you commit. It usually costs more than a bank or SBA loan.
Usually your last 4 months of business bank statements, a government ID and a voided business check. Your advisor will tell you if anything else is needed.
Yes, contractors and trade businesses are welcome to apply. We look at your deposits over time and how your business runs to match you with the right lenders and funders, and your advisor can talk through timing around your busy and slow periods. Not every business qualifies.