How funding works for construction
Four steps from a gap to money in the account, in the order they happen for contractors. Nothing here is a credit pull until you choose an offer.
- 01
Tell us the job and the gap
Contract value, the draw schedule, what is due before the next pay app lands. Three minutes on the form, no credit pull.
- 02
Send three months of statements and the pay app
Bank statements show the deposits; the approved pay app or signed contract shows the money on its way. We read both the way a partner will.
- 03
Compare the options in dollars
An advance sized to the draw, a line of credit, equipment financing — each as amount, total payback and remittance, with the APR-equivalent beside any factor rate.
- 04
Fund, remit, close out
Funding usually lands within a business day of signing. The remittance is set to end as the draw arrives, with a reconciliation clause if the owner is late.
What we ask for, what you get back, what we say no to.
What we ask for
Three months of business bank statements, and whatever shows the money on its way — a contract, a pay application, a schedule. Tax returns are not needed to start.
What you get back
Every option as amount, total payback, remittance schedule and prepayment terms, with the APR-equivalent beside any factor rate. If a partner will not put it in writing, we do not place the deal.
What we will say no to
A second advance on the same deposits to cover the first, a remittance that outruns the draw schedule, or funding an amount the job cannot carry. We say so, and what would change the answer.
Four tools. The job decides which.
- Merchant cash advance
A purchase of a fixed amount of future receivables, remitted daily or weekly. Fast, sized to the draw, and worth understanding fully before you take it.
Funding in 1–3 days- Revenue-based financing
Remitted as a percentage of revenue, so slow weeks remit less. Suits seasonal trades and lumpy receivables.
Up to 12–18 months- Equipment financing
The equipment secures the financing, which usually means lower cost and longer terms than unsecured capital.
Terms of 2–7 years- Business line of credit
Draw what you need when the gap opens and pay for what you use. The right tool for a recurring gap, not a one-off.
Revolving
Bring us the job. We'll bring the numbers.
Start with the amount and the date it is needed. No obligation, no credit pull to begin.