Construction pays on a slow calendar and spends on a fast one. A credit line is one way to keep crews and suppliers paid while draws and invoices work their way through.
Apply Now →A contractor spends in this order: labor each week, materials when the job starts, equipment rental as needed, and insurance and overhead all the time. The money comes back later, usually through progress billing, a final payment or a draw schedule that depends on inspections and approvals.
The result is a business that can be profitable on paper and short of cash in the same month. That gap is exactly where a line of credit is meant to help, because you use funds as the job needs them and not all at once.
| Stage | Cash out | Cash in |
|---|---|---|
| Mobilization | Deposits on materials, permits, crew scheduling | Possibly an initial deposit, often less than the outlay |
| Active work | Weekly payroll, subcontractors, rentals | Progress billing, typically paid after review |
| Punch list | Retainage tied up, remaining labor | Held until completion is signed off |
| Closeout | Final subs and supplies | Final payment, sometimes weeks later |
Construction needs repeat. One job overlaps the next, and a single lump sum funding can be spent on job one while job two is still waiting on its first payment. A line you can return to smooths those overlaps. The general idea is that you draw what the current job needs and the balance you do not use stays unspent. Any offer will spell out how its line is structured, so read that carefully.
Picture a small commercial contractor who wins two jobs in the same month. Job A is in week six of a ten-week schedule and has a progress payment pending. Job B needs $40,000 of materials and a first payroll before any money arrives. If the pending payment on A is delayed by an inspection, B stalls with the crew idle. Drawing on a line to carry B for a few weeks keeps both jobs moving.
The amounts are illustrative round numbers, not a quote, and not a typical result.
We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. A FICO score of 500 or higher is considered, we ask for about three months of business bank statements, and no tax returns are required. The application takes about 5 minutes and uses a soft credit pull. Sole proprietors can apply.
A contractor with several jobs in flight will often show lumpy deposits across a three-month window. That is normal, and it is why we look at the statements rather than a single number.
Yes. We look at about three months of business bank statements to see how deposits arrive, including lumpy ones.
We do not list a bond as a requirement here. Your trade may carry its own licensing rules, which you should confirm separately.
Our range is $25,000 to $5,000,000. A small crew needs to have a use for at least the minimum.
No. The application is a soft pull.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
