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Industry/General Contractors

Funding that mobilizes the job before the draw lands.

A GC carries the whole project's cash: you mobilize the site, pay subs and crews, and buy materials long before the owner's draw clears, with a chunk held back as retainage until the very end. The bigger the job, the wider the gap. We fund on your revenue so cash flow never holds up a project.

  • Funding in as little as 24 hours
  • Approved on revenue, not just credit
  • Residential and commercial GCs
  • Bridge draws and retainage

Fast reviews · Clear communication · No misleading promises

24hr
Funding in as little as
$25k–$1M
Typical range
6mo+
Time in business
All
Credit profiles considered
The landscape

Why general contractors carry the cash.

General contracting is a cash-flow tightrope: you front mobilization, materials, subs, and labor on a draw schedule that pays in arrears, while owners and lenders hold retainage until the project closes out. A busy GC with a strong backlog can still be squeezed, because every active job pulls cash forward before it pays back.

Revenue-based funding reads your deposits rather than fixating on draw timing and retainage, so you can mobilize the next job, pay your subs on time, and keep crews working, and repay as the draws come in.

Where it goes

What this funding covers most.

Mobilizing a new job

Paying subs and suppliers

Materials and equipment rental

Payroll across active jobs

Bridging draw schedules

Covering retainage gaps

Bonding and insurance costs

Taking on a bigger project

Ballpark

What you might qualify for.

A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.

Monthly revenue
Likely funding range
Common products
$10k – $25k / mo
$5k – $50k
MCA
$25k – $75k / mo
$25k – $150k
MCA / Line of Credit
$75k – $250k / mo
$75k – $500k
Line of Credit / MCA
$250k+ / mo
$250k – $5M
Line of Credit / SBA 7(a)

Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.

The difference

Why banks say no, and what's different here.

What a bank sees
How we work
Cash tied up in open jobs
We read your real deposit history
Retainage held to project close
We bridge the gap so work continues
Lumpy, milestone-based revenue
Revenue performance carries the decision
Weeks of underwriting
Reviews start same day; funds in as little as 24h
Best fit

The products that fit best.

The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.

Eligibility

What it takes to qualify.

A realistic picture of what we look for, and what to have ready so things move quickly.

Typical requirements

6+ months in operation

$15k+ in average monthly revenue

An active business bank account

Steady deposits or job revenue

U.S.-based contracting business

What to have ready

3–6 months of business bank statements

Recent job or revenue reports

A government-issued photo ID

Business info (EIN, license)

Process
How it works

From question to funded, fast.

Tell us about the business

Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.

Quick review of your sales

We look at recent deposits and card volume to understand what you may qualify for.

Compare your real options

See the products that fit your situation side by side, in plain language.

Get funded and move

Once you choose a direction, funds for fast options can land in as little as a day.

In practice

How funding plays out.

Challenge

New job needs mobilizing before the first draw

Outcome

Funded fast, broke ground on schedule

Challenge

Subs due before the owner pays

Outcome

Drew to pay subs, repaid on the draw

Challenge

Bidding bigger, bonded work

Outcome

Lower-rate financing to scale up

Representative scenarios for illustration. Individual results, products, and timing vary.

Why us

Why owners work with us.

We fund on revenue, not just credit

Capital to mobilize and pay subs

Residential and commercial GCs

Straight talk, no guaranteed-approval hype

Bridges draws and retainage

One conversation to compare every fit

“We had three projects mobilizing at once and the draws were all weeks out. The line of credit kept every sub paid and nobody walked off a job.”
FD
Frank D.General contractor · FL

Representative experience. Individual results vary. No outcome is guaranteed.

Questions

General Contractors funding FAQ.

Still have a question? A specialist can usually answer the same business day.

Start a review
Do you fund GCs waiting on draws?
Yes. Draw-based, in-arrears revenue is normal in construction. We weigh your deposit history over time rather than penalizing the gaps between draws.
Can funding pay subs and suppliers before the owner pays?
That's one of the most common uses. A line of credit or advance keeps subs and suppliers paid now and is repaid as the draws clear.
Does retainage held on my jobs hurt my chances?
No. Retainage is standard on most projects and we account for it. Your overall revenue and deposits drive the decision.
What can GC funding be used for?
Mobilization, subs, materials, equipment, payroll, bonding, or bridging draws and retainage. No restriction on use of funds.
How fast can I get funded?
A merchant cash advance can fund in as little as 24 hours once your revenue is reviewed, fast enough to mobilize a job this week.
Do you work with residential and commercial GCs?
Yes. Residential, commercial, and design-build GCs all qualify when revenue and time in business line up.
Learn more

Guides to help you decide.

Plain-English answers to the questions owners ask before they apply.

Related

More Construction & Trades funding.

We tailor funding to specific businesses across the industry, explore the others.

Next step

Funding built around your business.

Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.

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