You pay for materials and crew the moment a job starts, but the money comes on a draw schedule, net-30, or whenever retainage finally releases. That timing gap can stall a profitable contractor. We fund on revenue so you can mobilize the next job now.
Fast reviews · Clear communication · No misleading promises
Construction front-loads cost and back-loads payment. Materials, equipment, and crew get paid upfront; the client pays on a draw schedule and often holds retainage until the very end. A contractor can be busy and profitable on paper and still be cash-starved.
Revenue-based funding bridges that gap. Instead of turning down work or waiting on a draw, you can buy materials, make payroll, and mobilize the next job, then repay as the money comes in.
From the smallest operation to a multi-unit group, if you have steady sales, there's likely a path worth exploring.
Resi & commercial GCs
Electricians & low-voltage
Plumbing & pipefitting
Heating & cooling
Roofers & exteriors
Concrete, brick, stone
Landscape & hardscape
Renovation & build-out
Materials and supplies
Crew payroll between draws
Equipment purchase or repair
Bonding and insurance
Mobilizing a new job site
Bridging retainage and net terms
Tools and work vehicles
Taking on a larger contract
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in business
$10k+ in average monthly revenue
An active business bank account
Steady deposits or progress payments
U.S.-based contractor or trades business
3–6 months of business bank statements
Recent contracts or invoices
A government-issued photo ID
Business info (EIN, license if applicable)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Material deposit due before a job starts
Funded fast, broke ground on schedule
Payroll due before a draw releases
Drew to cover crew, repaid on the draw
Buying a skid steer and a truck
Lower-rate financing for the equipment
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on revenue, not just credit
Speed to mobilize the next job
GCs, subs, and specialty trades welcome
Straight talk, no guaranteed-approval hype
Bridges draws and retainage
One conversation to compare every fit
A merchant cash advance is the purchase of future receivables, not a loan, and it is priced with a flat factor rate, not an interest rate. That makes it fast and flexible, but the daily remittance does not pause for a slow week. Here is where owners in your line of work feel it.
Construction front-loads cost and back-loads payment, so a daily remittance starts pulling the moment you fund while the draw or net-30 invoice that pays the job is still weeks out.
Retainage can hold 5 to 10 percent of a contract until the very end, so a job can be finished and profitable on paper while the cash to cover the advance is still tied up.
A weather delay or an inspection that pushes a draw does not pause the debit, which is when a busy contractor between draws is most tempted to stack.
Seasonal trades like roofing and landscaping carry the same daily pull through a slow winter as they do in peak season, so the remittance has to survive the off months.
Take a contractor who funds a $40,000 advance at a 1.35 factor to buy materials and make payroll before a draw releases. Total payback is $54,000, a flat $14,000 cost that does not grow with time. Across roughly 10 months of business days that works out to about $257 a day, a debit that keeps running while you wait on the draw and any retainage, so it is best sized against your leanest stretch between payments rather than a flush one. Any APR attached to the offer is an APR-equivalent, an estimate for comparison only, not a contractual interest rate.
Illustration only, not an offer of credit. A factor rate is a flat multiplier; any APR shown is an APR-equivalent for comparison only. Actual terms vary by funder and underwriting.
“We landed a big commercial job but couldn't float the materials. Funding came through in a day and we started on time.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
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