Capital for your next project — Contractor Funding Source
Access working capital for independent contractors to bridge cash flow gaps, cover payroll, or upgrade construction equipment.
Checking rates does not impact your credit score.
- Pay application
- Retainage
- Change order
- Mobilization costs
- Progress billing
- Equipment utilization
- Project milestone
- Job costing
Working capital and equipment financing for US-based independent contractors and subcontractors
Financing options matched to your situation, in one place.
- OPERATING Working capital loans Use these funds for payroll or material costs between project payments.
- MACHINERY Heavy equipment leasing Lease newer excavators or machinery without the heavy upfront capital hit.
- INVOICES Factoring for subcontractors Get paid immediately on outstanding invoices to manage job site overhead.
- CREDIT Business lines of credit A revolving pool of cash to draw from when unexpected site costs arise.
- $10K–$500K Funding amounts
- 24–72 hours Speed to funding
- Soft pull No credit impact
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Contractor-focused funding
- We understand cyclical income and heavy project overhead costs.
- Terms reflect the construction industry rather than retail lending.
Fast access to cash
- Skip the weeks of waiting typical at traditional commercial banks.
- Most applicants receive funding decisions in under three days.
No upfront fees
- We charge no fees to borrowers for finding your funding match.
- Transparency is mandatory throughout the entire application process.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Lumpy project cycles
Banks dislike your inconsistent revenue patterns between projects.
Recent credit dings
Traditional lenders deny you for minor dips in your personal score.
Newer business status
Many banks require five years of operations to approve any facility.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
HVAC subcontractor
Purchase three new commercial-grade units for a multi-family site.
General contractor
Cover labor and material costs while waiting on a 90-day pay app.
Electrical contractor
Renovate a service van and stock up on specialized wiring inventory.
Concrete subcontractor
Bridge the gap for unexpected fuel and equipment rental cost spikes.
Protect your equipment
Your machinery is your livelihood. Ensure it is protected from site theft and damage with industry-specific insurance policies tailored for your specific sub-trade.