The Pinch Points
Why Framing Contractors Come to Us Instead of Their Bank
Framing is lumber-heavy, crew-driven, and paid in draws — and the bank balks the moment material costs spike your outflow. These are the spots where we get called.
Lumber Jumped Mid-Job
Lumber prices jumped 15% this month. Your $80K material estimate is now $92K and the builder isn't adjusting the contract. You need the extra $12K today to stay on schedule.
Per-House Pay, Weekly Payroll
You hired 4 framers for a subdivision — 18 houses over 6 months. Payroll jumped $24K a month but the builder pays per-house completion. You need bridge capital for the first 60 days.
Three Custom Homes, Yard Went COD
A builder offered you 3 back-to-back custom homes — $180K total. Materials for all 3 cost $55K upfront and your lumber yard wants COD after your last late payment.
Crew Lead Walked
Your crew lead quit and took 2 framers with him. You need to hire 3 replacements — $9K in signing costs, tool kits, and first-week payroll — but you've got a house to frame starting Monday.
Commercial Package Before the Pour
A strip-mall framing package is $320K over 4 months. You need $75K in engineered lumber and steel connectors before the foundation is even cured, and the GC's first monthly draw is 45 days out.
Lumber Prices Move Before You Do
You bid the job at one lumber price and frame it at another — buying the whole package up front, weeks before the first draw, eating the swing if the market jumps between contract and delivery.
What an operator said
“Lumber jumped 15% between our bid and delivery on an 18-house contract — a fixed price we couldn’t reprice. The line absorbed the spread so the subdivision still penciled.”
Cody T. · framing contractor · Boise, ID
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 Framing Operators
Telehandlers and Trucks, Financed
A telehandler that sets trusses and the work trucks that haul your crews run into six figures and the dealer wants cash. Equipment financing with the iron as collateral puts it on the job and keeps your operating cash free for lumber and payroll.
Framing-Tool Fleets Covered
Scaling from one crew to three means another full tooling package — nailers, compressors, saws, safety gear — before the new crews bill a dime. Equipment financing funds the fleet so the work you booked actually gets covered.
Front Lumber & Truss Buys
A working line fronts the lumber and truss package due before the first draw, even when the yard wants COD, so you frame on schedule and repay as the draw lands.
Multi-Jobsite Payroll Bridge
Crews on several foundations at once means weekly payroll against monthly draws. A working line funds the bridge so you never pull a crew off one job to make payroll on another.
Match Your Situation
The Cash-Flow Gaps We Fund for Framing
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Lumber float | Material package ordered, builder pays on completion | Working Capital | $75K–$200K | 1–3 days |
| Lumber price spike | Costs jump mid-project, fixed-price contract won't budge | Working Capital or LOC | $75K–$150K | Same day–3 days |
| Subdivision production ramp | 18-house contract, need crews and payroll before per-house pay | Working Capital | $75K–$300K | 1–3 days |
| Framing tool packages | New crews need nailers, compressors, and saws before they bill | Equipment Financing | $75K–$150K | 3–5 days |
| Telehandler for trusses | Setting trusses by hand is slow; finance the lift | Equipment Financing | $75K–$250K | 3–5 days |
The Products
How Framing Financing Is Structured
Most framing files fund between $75K and $5M+, structured to the build schedule and the draw. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Lumber buys, crew payroll, mobilization | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Telehandlers, work trucks, framing tools | 3–5 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Builder progress billings, per-unit completions | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Lumber price swings and per-house draw gaps | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Telehandler and Truck Package — 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
“Framing a subdivision is a pace business — you only make money if the crew and the telehandler can keep the builder's schedule. $165K in a telehandler and trucks is that pace. Put 10% down, finance the balance, and the whole $165K is a first-year write-off — bigger than the cash you put down. The lift that keeps the schedule and works your tax bill, same year.”
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 framing 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
Framing Contractor Financing
Framing Carries Two Risks the Builder Doesn't
Here's the thing about framing — you're exposed two ways your builder isn't. Lumber spikes and your fixed-price contract doesn't budge. And the builder pays per-house completion while your crew needs payroll every Friday regardless. Framers on an 18-house subdivision are 60 days into payroll before the first builder check lands — six figures of float a bank won't touch.
One Application, 70+ Lenders
We fund framers — residential tract, custom homes, commercial, timber frame — in as little as 24 hours. One application, 70+ lenders, soft-pull review to start. We've funded lumber-spike overruns same day, full material packages when the yard went COD, payroll bridge lines for subdivision work, and telehandlers that set trusses on the next job. If lumber is eating your margin or the builder is slow, you don't have a cash problem — you have a banking problem.
Common Questions
Framing Financing — Questions, Answered
Yes. Working capital or a line fronts the material buy so you frame on schedule, repaid as the draw lands.
Yes. A line bridges weekly payroll against monthly draws so you never pull a crew to cover another job.
Equipment financing: a fraction down, full Section 179 write-off, sized to your revenue.
No. You're underwritten on revenue and bank statements, so a line sized to your top line absorbs the swing between bid and build.
$75K–$5M+; larger lines when revenue, cash flow, and story qualify.
No. Revenue and bank-statement underwriting lead; soft-pull review to start, no hit to begin.
Recommended Funding
The Products That Fit Framing Work
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