The Pinch Points
Why General Contractors Come to Us Instead of Their Bank
A GC fronts subs, retainage, and change orders across the whole project while the owner pays on their own clock — and the bank reads the gap as a loss. These are the spots where we get called.
You Pay the Subs First
Every sub invoices you, and you cut those checks weeks before the owner's draw clears. The bigger the project, the more sub payments you're floating at once.
Retainage Sits Elsewhere
5–10% of every draw is held until closeout, so a slice of your margin on every active job is locked for months while you still carry overhead.
The Draw Runs on Their Clock
You submit, the owner and their lender review, and net-30-to-60 later the money lands — but payroll, subs, and materials don't wait for the draw cycle.
Change Orders Built Before Paid
The owner wants the change, the work can't stop, so you perform and pay for it now and chase the approved change order later.
Bonding Caps the Jobs You Chase
Bigger contracts want bonds, and bonding leans on liquidity — so the cash that wins the next project is the cash you need to run the last one.
Bigger Than Your Cash Can Float
The contract you've earned the reputation to win is the one your bank account can't carry through the first few draws.
What an operator said
“I had a $4M job with eleven subs all invoicing the first month and the owner's first draw sixty days out. The line let me pay every sub on time and hold the schedule — that's how I earned the next contract.”
Liam R. · General Contractor · Nashville, TN
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 General Contractors
Float the Subs to the Draw
A working-capital line covers your sub payments while the owner's draw clears, so you hold the schedule on the biggest jobs and repay as the money lands — the most common reason GCs call us.
Free Up Retainage
A line advances the retainage your draws hold back, so profit that's otherwise locked until a job finishes isn't money you wait months to collect.
Bonding-Backed Liquidity
A line restores the liquidity bonding looks for, so the cash that wins your next contract isn't tied up running the last one.
Fleet and Site Setup, Financed
When you do buy the trucks, skid steer, and job trailers for self-performed work, equipment financing puts a fraction down and writes the full price off in year one — keeping working capital free for subs and draws.
Match Your Situation
The Cash-Flow Gaps We Fund for General Contractors
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 | |
|---|---|---|---|---|
| Sub payment stacking | Subs invoice now, owner draw is 30–60 days out | Working Capital | $75K–$300K | 1–3 days |
| Retainage holdback | 5–10% locked to closeout across active jobs | Invoice Factoring | $75K–$250K | 1–2 days |
| Change-order cash gap | Approved COs, owner processing takes 45 days | Working Capital or LOC | $75K–$300K | 1–5 days |
| Bonding capacity | Bigger contract wants a bond; bonding leans on liquidity | Working Capital | $75K–$250K | 1–3 days |
| Fleet and site setup | Trucks, skid steer, and job trailers for self-performed work | Equipment Financing | $75K–$300K | 3–5 days |
The Products
How General Contractor Financing Is Structured
Most GC files fund between $75K and $5M+, structured to your contract volume and the draw schedule. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Sub payments, mobilization, change-order float | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Retainage and owner progress billings | 1–2 days | Invoices secure the line, no PG typically |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Truck fleet, skid steer, site setup | 3–5 days | Equipment serves as collateral |
| Business LOC | $75K–$5M+ | Revolving | Multi-job draw gaps and bonding liquidity | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Fleet and Site-Setup 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
“A GC's iron earns on every job at once — the skid steer and truck fleet move between four sites in a week, not one. $200K in fleet and site setup is leverage across your whole job board. Put a fraction down, finance the rest, and §179 writes off the full $200K the year it's working. The fleet that runs every job and works your tax bill across all of them.”
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 general contractor 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
General Contractor Financing
Retainage Is Earned Revenue, Not a Loss
Look — you've got retainage locked across active jobs, sub deposits due before ground-breaking, and a bank reading your P&L like it's the whole story. Retainage isn't recognized until release, so the paperwork shows a gap that construction accounting explains and a banker who's never seen a draw schedule won't. You're the bank for the whole project until the owner pays — that's the trap.
One Application, 70+ Lenders
We fund general contractors — residential, commercial, design-build, construction management — in as little as 24 hours. One application, 70+ lenders, soft-pull review to start. We've funded sub-deposit packages, retainage bridge lines, bonding-capacity improvements, and project mobilization facilities. If you're turning down a project because you can't float the first few draws, that's not a cash problem — it's a banking one, and we fix it fast.
Common Questions
General Contractor Financing — Questions, Answered
Yes. A working-capital line covers sub payments and holds the schedule, repaid as the draw lands — the most common reason GCs use a line.
Yes. A line bridges the 5–10% locked on every active job so your margin isn't frozen for months.
Working capital covers the changed work now so you keep the schedule and chase the approved CO without stopping.
Yes. A line restores the liquidity bonding leans on so you chase the next project without draining the last.
$75K–$5M+, sized off your top line and contract volume; 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 General Contractor Work
Other Construction Trades