The Pinch Points
Why Painting Contractors Come to Us Instead of Their Bank
Painting is labor-heavy and paid on a draw schedule, and the bank flags the weeks of payroll you float before the money lands. These are the spots where we get called.
Commercial Repaint, Net-45
You booked a $120K commercial repaint — an entire office complex. Paint and materials cost $30K upfront but the property manager pays net-45.
Summer Booked, Supplier Cut Terms
Your summer schedule is fully booked with 12 residential exteriors. You need $20K in paint, primer, and rental equipment this week — and your paint supplier just dropped your credit terms.
Going Commercial
You're adding a commercial division — spray rigs, boom lifts, and two new crew leads. The investment is $50K but it opens up $300K+ in annual revenue.
Hotel Repaint Starts Now
A hotel chain wants you to repaint 60 rooms across 2 properties — a $75K contract. Materials are $18K upfront and they pay 50% at completion of each property, so you need the first $18K this week to start.
Rig Failing Mid-Job
Your main spray rig is 6 years old and losing pressure mid-job. A new commercial setup is $11K, and every failure on site costs 3 hours of crew time while the clock runs.
Final Draw Withheld
A property manager withholds the final $35K over a color-match dispute on a finished repaint — the crew’s paid, the paint’s on the wall, and your draw is frozen while a sample board goes back and forth for three weeks.
What an operator said
“We bid an industrial warehouse repaint that needed two boom lifts to reach forty feet — equipment we'd always rented and lost margin on. The line let us buy the lifts and keep them working across the next four jobs.”
Andre M. · Commercial Painting Contractor · Denver, CO
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 Painting Operators
Boom and Scissor Lifts, Owned Not Rented
An industrial repaint needs lifts to reach forty feet — equipment you've always rented and lost margin on. Equipment financing with the lift as collateral lets you buy it and keep it working across the next several jobs.
Commercial Sprayers Financed
Scaling into commercial volume means commercial airless sprayers and a truck to run them. Equipment financing covers the commercial sprayer rig so the work you booked gets covered without draining operating cash.
Front-Loaded Paint & Coatings
A working line fronts the paint and primer a commercial repaint needs before you roll a wall, so a net-terms property manager isn't holding up your start.
Bridge the Weekly-Payroll Gap
A line funds the crew between a big repaint's draw dates, so weekly payroll on a labor-heavy job doesn't drain you while you wait on progress payments.
Match Your Situation
The Cash-Flow Gaps We Fund for Painting
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 | |
|---|---|---|---|---|
| Commercial repaint float | Office or hotel repaint, materials due before net-45 pay | Working Capital | $75K–$200K | 1–3 days |
| Lift purchase vs rental | Boom or scissor lifts you keep instead of bleeding rental margin | Equipment Financing | $75K–$200K | 3–5 days |
| Sprayer fleet upgrade | Commercial airless rigs for industrial volume | Equipment Financing | $75K–$150K | 3–5 days |
| Peak-season crew ramp | Summer exteriors booked, need painters on payroll now | Working Capital | $75K–$200K | 1–3 days |
| Draw-schedule payroll gap | Large repaint pays on draws, weekly payroll doesn't wait | Working Capital or LOC | $75K–$250K | 1–5 days |
The Products
How Painting Financing Is Structured
Most painting files fund between $75K and $5M+, structured to the repaint 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 | Paint and coatings, crew payroll, mobilization | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Boom lifts, scissor lifts, commercial sprayers | 3–5 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-45 commercial repaint billings | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Draw-schedule swings and peak-season ramps | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Lift and Sprayer 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
“Painters come off a big commercial season and hand the IRS a check instead of buying the lift and sprayer fleet the next warehouse job needs. $145K in a boom lift and commercial sprayers reaches the ceilings hand-rolling can't. Put 10% down, finance the rest, and write off the full $145K the year it's spraying. The lift that reaches the next job and the tax move in one.”
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 painting 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
Painting Contractor Financing
Painting Looks Low-Overhead Until the First Commercial Repaint
Painting seems simple until you book a commercial repaint and realize materials are due weeks before the first progress draw. The job is mostly labor, the crew gets paid every Friday, and a property manager or GC pays on a draw schedule months long. The bigger the contract, the more weeks of payroll and coatings you float before the money shows up.
One Application, 70+ Lenders
We fund painters — residential, commercial, industrial coatings, specialty finishers — in as little as 24 hours. One application, 70+ lenders, soft-pull review to start. We've funded material advances for commercial repaints, boom-lift and sprayer packages so crews stop renting, peak-season crew ramps, and working capital when the paint supplier went COD. If you're turning down commercial work because you can't front materials or float payroll, that's money walking out the door.
Common Questions
Painting Financing — Questions, Answered
Yes. A line bridges weekly crew payroll against the draw schedule so a large job doesn't drain you.
Equipment financing: a fraction down, full Section 179 write-off, and you stop bleeding margin on rentals.
Yes. Working capital fronts the labor and coatings so you start on schedule.
No. The lifts, sprayers, and trucks are financeable equipment, and working capital covers the labor side separately.
$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 Painting Work
Working Capital Loans →
Cover paint and coatings upfront when suppliers cut your credit terms.
Equipment Financing →
Finance boom lifts, scissor lifts, and commercial sprayers — the equipment is the collateral.
Business Line of Credit →
Bridge weekly payroll against the draw schedule on a large commercial repaint.
Other Construction Trades