Working capital for construction businesses.
Funding that fills the gap between mobilization and the second draw, pays the supplier on material terms that don't exist, and finances the bobcat on a schedule that matches the work.
Construction cash flow is the gap between mobilization and the second draw. The right funding fills that gap, pays the supplier on material terms that don't exist, and finances the bobcat or boom truck on a schedule that matches the work — not on a five-year bank cycle that ignores how project payments actually arrive.
What we underwrite, what we don't require, and how the file actually moves.
We fund general contractors, residential and commercial builders, specialty subcontractors, road and utility contractors, and trades — electrical, plumbing, HVAC, roofing, framing, concrete, drywall. Most files are between 12 months and 30 years in business, with monthly deposits from $25,000 up. Licensed status for GCs and licensed trades is verified at the file level; we look at the active license number, not just a screenshot.
Working capital is the most common product. It bridges the mobilization-to-first-draw gap, covers prevailing-wage payroll between progress payments, pre-funds material on jobs where terms are short or non-existent, and supports bonding capital. We can size offers based on bank deposits alone; AR aging and a current WIP statement strengthen the file and often unlock a larger offer or a longer term.
Equipment financing covers skid steers, mini-excavators, lifts, dump trucks, concrete pumps, and the long tail of yellow iron and trades equipment. Vendor invoices fund directly. Used equipment is welcome. For larger machinery purchases (>$250K), a term loan or a specialty equipment lender may produce better economics than working capital — we'll tell you which fits and refer if appropriate.
We do not require contract assignment, lien priority, or any change to your bonding relationship. UCC filings are standard. Personal guarantees are required on essentially all construction files. Every cost element is on the offer document before you sign.
What we fund
- Material purchases ahead of a draw
- Payroll between progress payments and prevailing-wage cycles
- Equipment buys — skid steers, lifts, dump trucks, attachments
- Bonding capital for a larger contract
- New project mobilization and pre-job costs
- Subcontractor advances on critical-path trades
What you'll need
- Licensed and 12+ months in business (general contractors)
- $25,000+ in monthly deposits
- Bank statements; AR aging or WIP statement helpful
- Insurance certificate for larger files
- Active license number for GCs and licensed trades
Things construction operators ask first.
WIP statements speed up underwriting
A current work-in-progress statement is not required, but providing one often unlocks a larger offer or longer term on the same file.
No contract assignment
We do not require you to assign job contracts to us. We don't get between you and your GC, customer, or surety.
Bonding capital, not bonds
We can fund the cash that supports bonding requirements. The bond itself is issued by your surety, not by us.
Subs qualify earlier than GCs
GCs need 12+ months in business. Subcontractors with consistent deposits can qualify at 6 months.
A Georgia residential contractor bought a used compact track loader plus attachments. Vendor-paid, 48-month term, funded in 4 days.