Building in Manhattan means tight sites, after-hours work rules and long payment chains. Subcontractors often carry weeks of cost before a pay application turns into cash.
Apply Now →Commercial construction in Manhattan is dominated by interior fit-outs, renovations in occupied buildings, facade and roofing work, and mechanical upgrades in older towers. Much of it happens in the middle of working offices, stores and residential buildings, which adds logistics most other places do not have: freight-elevator bookings, deliveries timed to narrow windows, off-hours shifts and staging that costs money every day.
The payment chain is long. An owner pays a construction manager, who pays a general contractor, who pays the subs, and each step takes its own time. Retainage is often held until closeout. A drywall, electrical or millwork sub can be several layers and many weeks away from the money that pays for its labor today.
A Manhattan electrical subcontractor wins a 12-week office fit-out. Before the first pay application clears, it expects to spend about $90,000 on labor and fixtures. Its bank balance covers half without putting other jobs at risk. Funding of $75,000 lets it staff the job fully from day one and keep paying its other crews on time. These figures are illustrative and do not reflect our terms or typical outcomes.
A single large job with a clear payment date often fits a lump sum or a term loan in Manhattan. A contractor juggling several jobs with overlapping pay cycles may be better served by a business line of credit they draw on as each gap opens. The right choice depends on whether the gap is one-off or repeating. Contractors who keep bidding the same type of work year after year often find the gap repeats, which points toward a line.
We consider $25,000 to $5,000,000. The application takes about 5 minutes and uses a soft credit pull. We review about three months of business bank statements; uneven deposits from progress payments are expected for contractors. No tax returns are required, FICO 500+ is considered, sole proprietors can apply, and approved files can be funded in as little as 24 hours. This page addresses commercial and trade contracting; we do not promise funding for residential remodeling.
Yes. Slow pay and retainage are common in construction, and the review reads your bank statements with that in mind.
Our core requirements are the 5-minute application and about three months of business bank statements. No tax returns are required.
Funding from $25,000 to $5,000,000 can cover upfront labor and materials for a larger job.
Yes. Sole proprietors can apply.
FICO scores from 500 are considered. See how weaker-credit files are reviewed on our Manhattan bad-credit page.
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
