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Construction & Contracting

Construction & Contractor Financing — Fund Payroll Between Draws

Retainage, progress draws and a general contractor who pays when he feels like it. You are profitable on the job and empty in the account.

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What owners in this industry finance

  • Payroll and materials between draws
  • Heavy equipment and fleet
  • Bonding and mobilization costs
  • Taking on a job bigger than your bank balance

What we would tell you

Commercial subs with creditworthy GCs are the ideal factoring profile. Residential contractors paid by homeowners usually need a line of credit instead.

The programs that fit best

Invoice Factoring & A/R Financing

Turn unpaid invoices into cash

2 – 5 days No minimum FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Purchase Order Financing

Say yes to the big order

Same day No minimum FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Construction & Contracting funding questions

What is the best financing option for construction & contracting?
It depends on what the money is for. Commercial subs with creditworthy GCs are the ideal factoring profile. Residential contractors paid by homeowners usually need a line of credit instead.
Can I get funded for my construction & contracting business with bad credit?
Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.
How fast can we get the money?
Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.
No cost · No obligation

Funding for construction & contracting

One application, shopped across 14 programs, no fee to you.

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Checking your options does not affect your business credit. A soft review only.