Question 1

How does funding help with the gap between paying crews and getting paid?

Accepted Answer

This is the core reason construction businesses use revenue-based funding. General contractors typically pay subcontractors and crews 30 to 60 days after invoicing, while owner and developer payments arrive 30 to 90 or more days out — and materials often must be paid for upfront. Funding bridges that receivables timing gap, providing working capital to keep projects moving while waiting for progress payments. Remittance is a percentage of revenue, so it aligns with how project money actually arrives. Approval depends on revenue patterns, time in business, and other underwriting factors.

Question 2

Can I get funding to purchase materials or equipment for a project?

Accepted Answer

Yes. Material and equipment purchase ahead of project mobilization is one of the most common construction funding scenarios. Materials such as steel, concrete, lumber, and specialty components often require deposits or full payment weeks before the first progress payment arrives. Funding bridges that gap. It can also cover equipment purchase and repair. Approval depends on revenue patterns, time in business, and other underwriting factors.

Question 3

Can you fund project mobilization when I win a new contract?

Accepted Answer

Yes. Winning a new contract often means mobilization costs — crews, equipment, materials, permits, bonds — must be covered before the first progress payment arrives. That timing gap is a common funding scenario. Funding can provide mobilization capital so a contractor can take on a project rather than turning it down for lack of working capital. Approval depends on revenue patterns, time in business, surety bond standing where relevant, and other underwriting factors.

Question 4

Do you fund subcontractors and specialty trade contractors?

Accepted Answer

Yes. We evaluate the full range of construction businesses — general contractors, electrical and mechanical subcontractors, plumbing and HVAC contractors, concrete contractors, framers, roofers, site work and grading contractors, demolition contractors, and other specialty trades. Subcontractors face the same payment-timing pressure as general contractors plus their own equipment investment needs. Approval depends on revenue patterns, time in business, licensing standing, and other underwriting factors.

Question 5

Can you fund a construction business with credit issues?

Accepted Answer

We underwrite based on revenue patterns and bank statement strength rather than credit score or hard collateral alone. An established contractor with consistent project revenue can be evaluated regardless of credit issues from prior business cycles, material cost volatility, or seasonal slowdowns. Approval depends on revenue patterns, time in business, deposit consistency, licensing and bonding standing, existing financial obligations, and other underwriting factors. Not all applicants qualify.

Question 6

How fast can a construction business receive funding?

Accepted Answer

Eligible applications submitted with complete documentation typically receive a decision the same business day, with funding often available within 24 to 72 hours after underwriting is complete and a funding agreement is signed. Speed matters when a material order or mobilization timeline is tight. Actual timing depends on documentation completeness, deal complexity, and banking processing times. Not all applications result in funding offers.

Question 7

What documents do I need to apply for construction business funding?

Accepted Answer

A typical application requires recent business bank statements — often the last 3 to 6 months — along with basic business information and identification. Because we underwrite primarily on revenue patterns and bank statement strength, bank statements are the central document. Additional items such as licensing or bonding information may be requested depending on the situation. Complete, recent documentation is the biggest factor in a fast decision. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Question 8

How much funding can a construction business get?

Accepted Answer

Funding amounts depend on the business's revenue. Construction funding deals commonly range from around $15,000 for smaller contractors covering a material or working capital need, up to $300,000 or more for established contractors funding mobilization or expansion. The amount, remittance percentage, and term depend on revenue patterns, time in business, deposit consistency, existing financial obligations, and other underwriting factors. We typically evaluate construction businesses generating $50,000 or more in monthly revenue.

Question 9

Do I need good credit to get a construction business loan?

Accepted Answer

Not necessarily. Unlike traditional bank lending, which leads with the credit score, our underwriting is based primarily on revenue patterns and bank statement strength. An established contractor with consistent project revenue can be evaluated even with credit issues that would lead to an automatic bank decline. Credit may be one factor among several, but it is not the deciding gate. Approval depends primarily on revenue patterns, time in business, licensing standing, deposit consistency, and other underwriting factors.

Question 10

Can a newer construction business get funding?

Accepted Answer

It can be more challenging. Most funding requires a minimum time in business — commonly around 6 months — with consistent revenue, because underwriting is based on demonstrated revenue patterns. A contractor operating only a few weeks typically does not yet have the track record to evaluate. A construction business operating for 6 months or more with steady project deposits is in a much stronger position. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Question 11

Can funding cover payroll during slow-paying project phases?

Accepted Answer

Yes. Payroll is one of the most common uses of construction funding. Crews must be paid on schedule even when owner or developer payments are running 30 to 90 or more days behind, and funding provides working capital to bridge that gap. Remittance flexes with revenue, fitting the uneven payment timing of project work. Approval depends on revenue patterns, time in business, and other underwriting factors.

Question 12

How does repayment work for construction funding?

Accepted Answer

Repayment, more accurately called remittance, is structured as a percentage of revenue rather than a fixed monthly loan payment. It is typically collected through ACH on a daily or weekly basis. Because it is a percentage of revenue, the amount flexes with how the business performs and with the timing of project payments. This structure is designed to align with the uneven, milestone-driven cash flow that is normal in construction. A merchant cash advance is not a loan; it is the purchase of future receivables.

Question 13

What can construction business funding be used for?

Accepted Answer

Funding is general business capital and can be used for virtually any construction business purpose — materials, equipment purchase and repair, project mobilization, crew payroll, permits and bonds, fuel, or working capital to bridge the gap between paying crews and receiving owner payments. There is no restriction tied to a specific use; what matters for approval is the revenue of the business. Approval depends on revenue patterns, time in business, and other underwriting factors.

Question 14

Can you provide contractor financing while waiting on retainage or final payment?

Accepted Answer

Yes. Retainage — the portion of a contract held back until completion — and slow final payments are a common reason contractors run short on working capital even on profitable jobs. Contractor financing structured as revenue-based funding can bridge that gap, providing capital for materials, payroll, equipment, and mobilization on the next job while earlier payments are still outstanding. It is underwritten on revenue patterns and bank statement strength rather than credit score or the value of held-back receivables, and remittance is a percentage of revenue so it flexes with billing cycles. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors. Not all applicants qualify.

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