Construction working capital & funding
Project-based with progress-payment cycles; substantial WIP (work-in-progress) and AR; cash flow tied to milestone billing. Revenue-based underwriting available — businesses with strong monthly revenue qualify even when credit is imperfect.
Common uses of capital in construction & trades
- Material pre-buys for confirmed contracts
- Equipment (vehicles, heavy equipment, specialty tools)
- Bridge between progress payments
- Bonding capacity expansion
- Subcontractor payroll while GC payment is pending
Best-fit funding products for construction & trades
- Invoice factoring — construction factoring is a mature subspecialty (with awareness of mechanic's lien dynamics)
- Equipment financing — vehicles + heavy equipment as collateral
- Working capital advance — for material pre-buys when speed matters
- Lines of credit — for ongoing AR-bridging
- Seasonality & timing
- Heavy regional variation; northern markets dip in winter, southern markets steady year-round.
- Qualification benchmark
- Established contractors with $75K+ monthly revenue and clean lien history qualify for the full product stack. New contractors should start with equipment financing + small working capital.
- Relevant NAICS codes
- 236115, 236118, 236210, 236220, 237110, 237310, 238110-238990
Other industries we work with
Ready to apply?
3-minute prequalification. No SSN/EIN at this stage. Funding options within 1 business day.
Apply for funding →Want the full breakdown? Read our in-depth Construction & Trades Funding guide →