Construction
Construction runs on timing. You front the cost of labor and materials weeks before a draw clears, and one slow-paying client can stall an otherwise healthy book of work. Providers who lend to contractors understand that cash-flow shape — they look at your contracts and receivables, not just last year's tax return.
We match you with providers comfortable funding equipment purchases, bonding lines, and working capital that bridges the lag between work performed and payment received. The right fit depends on whether you need a one-time equipment loan or a revolving line you can draw against all season.
- Typical amount
- $25K – $750K
- Typical timeline
- 3–21 days
- Common products
- Equipment, lines of credit
Three things to know
- Providers often weigh signed contracts and receivables as heavily as credit — bring your backlog to the conversation.
- Equipment financing is usually secured by the equipment itself, which tends to mean friendlier terms than unsecured working capital.
- Seasonality is normal in this trade; look for providers who structure repayment around your draw schedule, not a flat monthly line.