Business funding for construction companies
Materials and crews get paid long before the first draw does. Funding that bridges that gap lets you bid on bigger jobs without stretching the business thin.
How cash flows in construction
Construction cash flow runs on draws and retainage. You buy materials, carry payroll and rent equipment for weeks, then wait 30 to 90 days for the general contractor or owner to pay, often minus 5 to 10% held back until the job closes. The larger the job, the deeper the gap.
What we look at
- Steady deposits across the last four months, including slow months
- Your contract backlog and who your customers are
- Existing positions and how they’ve been paid
- Licensing and time in business
Minimums: about $50,000 a month in revenue and one year in business. Larger requests are reviewed case by case.
Common situations
A contract bigger than usual
Carry materials and labor until the first draw clears, without turning the job down.
Retainage held back
Free up the cash tied up in retainage across several finished jobs.
Equipment for a new contract
Finance an excavator, lift or truck against the machine itself.
Several advances stacked up
Turn multiple daily debits into one payment on a longer schedule.
Funding that fits
Your advisor recommends the structure; you choose, with every cost in writing.
Construction: questions owners ask
Can I get funding against a specific contract?
The review looks mainly at your bank deposits, but a signed contract helps show where repayment will come from. Mention it on your application.
Do slow winter months count against me?
The review looks at the average across several months, and construction is known to be seasonal. Your advisor presents the full picture, not one slow month.
What do I need to apply?
To start: amount, monthly revenue and time in business, with no documents and no SSN. To get your offer: your last four months of business bank statements.