The Pinch Points
Why Demolition Contractors Come to Us Instead of Their Bank
Demolition is heavy-iron, permit-heavy, and full of surprises — and the bank can't move fast enough when asbestos shows up or the dump wants cash at the gate. These are the spots where we get called.
Mobilize Before the First Invoice
You won a $150K commercial demolition contract. Excavator rental, dumpsters, and crew mobilization cost $40K before the first invoice. The GC pays on completion.
Skid Steer Down
Your skid steer needs a new hydraulic system — $12K repair. Every day without it means renting at $500/day while the fix takes 2 weeks.
Asbestos Wasn't in the Bid
Asbestos abatement was discovered on a demo project. Remediation runs $35K and it's your responsibility per contract. This wasn't in the original bid.
Dump Wants Cash at the Gate
You're running 3 demo projects at once and landfill fees hit $28K this month. The dumps want payment before they'll let your trucks through the gate and your GC checks are 45 days out.
Municipal Net-60
A municipality awarded you a $220K bridge demolition. Mobilization requires $55K in crane rental, permits, and traffic control before the first draw. The agency pays on 60-day billing cycles.
Bonding Ties Up Your Cash
A $500K bonded tear-down ties up a performance bond worth roughly 10% of the contract — $50K in liquidity frozen for the life of the job, cash you can’t put toward the excavator or the disposal you’re fronting from day one.
What an operator said
“A municipal tear-down needed a $250K performance bond I couldn’t post without tying up my operating cash. Funding freed the liquidity so I could bond the job — the biggest contract we’d ever won.”
Frank N. · demolition contractor · Detroit, MI
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Demolition Operators
Heavy Iron Without the Bank Timeline
A used excavator is $120K and the dealer has two buyers. Your bank wants 8 weeks. Equipment financing funds the excavator, breaker, shear, and grapple in 3–5 days, with the machine as the collateral. You get the iron, not the other guy.
Bonding-Backed Liquidity
A line frees up the working capital a bond ties down, so winning the next bonded job doesn't cost you the cash to get the current one moving.
Disposal and Tipping Float Covered
Dumpster rentals and landfill fees on a commercial demo run $15K to $40K before the GC pays a cent, and the dump doesn't take purchase orders. A working line fronts the disposal float so you don't eat tipping fees out of pocket for 45 days.
Pre-Fund Hazmat & Abatement
Working capital covers the abatement subcontractors and disposal up front when asbestos turns up mid-demo, so work nobody bid doesn't stall the project while a change order crawls through approval.
Match Your Situation
The Cash-Flow Gaps We Fund for Demolition
Match your situation to the structure. Every one of these funds on your revenue and the iron you already run.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Permit and bonding costs | Large demo needs permits and performance bonds upfront | Working Capital | $75K–$150K | 1–3 days |
| Excavator attachment upgrade | Hydraulic breaker or shear for concrete demo work | Equipment Financing | $75K–$200K | 3–5 days |
| Hazmat abatement pre-fund | Asbestos removal needs specialized subs and disposal upfront | Working Capital | $75K–$250K | 1–3 days |
| Roll-off dumpster fleet | Adding containers to handle multiple jobs at once | Equipment Financing | $75K–$200K | 3–5 days |
| Municipal contract float | City pays net-60, fuel and labor due now | Invoice Factoring | $75K–$250K | 1–2 days |
The Products
How Demolition Financing Is Structured
Most demolition files fund between $75K and $5M+, structured around the iron and the disposal float. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Disposal, tipping fees, mobilization | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Excavators, high-reach, attachments | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Municipal/GC progress billings | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Change orders and disposal surges | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Demolition Excavator — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Demo runs on iron all year, and a $360K excavator with the breaker, shear, and grapple is the whole operation. Section 179 was built for this kind of buy: 10% down, finance the rest, and write off the full $360K the year it's tearing down. The machine on the job and the machine working your tax bill, at once.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a demolition file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Demolition Contractor Financing
Every Demo Job Has a Surprise
Here's the thing about demo — every job has a surprise. Asbestos shows up on a commercial tear-down and that's $35K in remediation you didn't bid. The GC adds selective interior demo that wasn't in the original scope — $20K in labor and disposal before the change order is even approved. And your skid steer blows a hydraulic line mid-job while you're renting a replacement at $500/day. Banks don't move fast enough for this trade.
Funded in Hours, Not the Bank's Six Weeks
We fund demo contractors — commercial demolition, residential tear-downs, selective demo, environmental remediation — in as little as 24 hours. One application. 70+ lenders. Soft-pull review. We've funded $35K asbestos abatement surprises, $120K excavator purchases in 3 days, $40K dumpster and disposal advances, and $50K mobilization packages for commercial demo contracts. If you're stalling a project because your bank needs 6 weeks to approve $40K, you're losing money on penalties alone.
Common Questions
Demolition Financing — Questions, Answered
Yes. A line frees the liquidity bonding leans on, so you qualify for the next contract without draining the last one.
Yes. Working capital fronts the dumpsters, hauling, and landfill costs you pay weeks before the first progress draw.
Equipment financing: a fraction down, the machine as collateral, full Section 179 write-off in year one — sized to your revenue.
Yes. Permits, abatement crews, and containment are working-capital uses bridged until the job funds.
$75K–$5M+, underwritten on deposits rather than a credit score; larger lines when revenue, cash flow, and story qualify.
No. Revenue and bank-statement underwriting drive it; soft-pull review to start, no hit to begin.
Recommended Funding
The Products That Fit Demolition Work
Equipment Financing →
Finance excavators, high-reach machines, and attachments — the iron is the collateral.
Working Capital Loans →
Cover disposal fees, dumpster rentals, and crew mobilization before the first invoice.
Invoice Factoring →
Turn GC and municipal invoices into cash within 24–48 hours instead of waiting for completion.
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