Working Capital

Working Capital Loans for Construction & Contracting

Fast funding to cover payroll, inventory, or cash-flow gaps when you need to move quickly.

Funding
$50K - $500K
Speed
48-72 hours
APR
6.9% - 28.5%
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Why Working Capital is Ideal for Construction & Contracting Businesses

Project float

Big project, slow draws. How do you bridge the gap?

Equipment

Renting costs more than owning. What if you could buy?

Growth

You're turning away bids. That's a capital problem, not a demand problem.

Materials

Lock in material prices now before they spike again.

Bonding

Free up cash from bonding requirements and put it to work.

Working Capital Loans Features

Fast Approval

Approval decisions within 48-72 hours with minimal documentation requirements.

Fixed Payments

Predictable monthly payments on fixed terms from 12 to 60 months.

No Revenue Requirement

We focus on current performance and trajectory, not arbitrary revenue minimums.

Simple Process

Straightforward application with 3-6 months of bank statements, no lengthy documentation.

Key Benefits

Faster Than Banks

Get funded in days instead of weeks. Traditional banks take 30-45 days for working capital approvals.

Preserve Equity

Term loans don't require giving up company ownership or control like equity financing.

Flexible Deployment

Use funds for payroll, inventory, equipment, or any business operating expense.

Scalable Funding

As your business grows, we can provide additional working capital loans or other funding products.

Eligibility Requirements

$150K+
Annual Revenue
1+ yr
Time in Business
600+
Credit Score

Best For:

Managing seasonal inventory buildup
Covering payroll during slow periods
Funding growth initiatives without equity dilution
Bridging gaps between project expenses and client payments
Taking advantage of bulk purchase discounts

Working Capital Loans for Construction & Contracting by State

Find working capital for construction & contracting businesses in your state.

Frequently Asked Questions

Why do Construction & Contracting businesses choose Working Capital Loans?
Working Capital Loans is designed for businesses with Construction & Contracting's specific cash flow needs. Fast funding to cover payroll, inventory, or cash-flow gaps when you need to move quickly.
How does Working Capital Loans help with Construction & Contracting cash flow challenges?
Construction & Contracting businesses often struggle with: Payment delays from general contractors stretch cash for months; Bonding requirements tie up working capital. Working Capital Loans solves these by enabling Take on bigger projects without cash strain.
What's the typical timeline for Working Capital Loans approval?
Most Working Capital Loans approvals happen within 48-72 hours. We move faster than traditional financing so you can capitalize on opportunities.
Do you have examples of Construction & Contracting businesses using Working Capital Loans?
Yes. We've helped hundreds of Construction & Contracting operators use Working Capital Loans to grow and scale. The impact varies widely depending on specific business model and needs.
How much Working Capital Loans can I get?
Funding amounts range from $50K to $500K, depending on your revenue and business stage.

Ready for Working Capital?

Apply in minutes. 48-72 hours decisions. Funding up to $500K.

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