This Is Why You're Here
Why Paintings Come to Us Instead of Their Bank
You booked a $120K commercial repaint — an entire office complex. Paint and materials cost $30K upfront but the property manager pays net-45.
Summer schedule is fully booked with 12 residential exteriors. You need $20K in paint, primer, and rental equipment this week. Your paint supplier dropped your credit terms.
You're adding a commercial division — spray rigs, boom lifts, and two new crew leads. Investment is $50K but it opens up $300K+ in annual revenue.
A hotel chain wants you to repaint 60 rooms across 2 properties — $75K contract. Materials are $18K upfront and they pay 50% at completion of each property. You need the first $18K this week to start.
Your main spray rig is 6 years old and losing pressure mid-job. A new Graco setup is $11K. Every time it fails on site you lose 3 hours of crew time at $150/hour. Your bank says equipment loans start at $25K minimum.
Booked a $120K commercial repaint but needed $30K in materials upfront. Property manager pays net-45. Basecamp bridged the gap in 2 days.
Lisa K., Painting Contractor, Nashville, TN
Painting Financing
Get Your Painting Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Painting Businesses Choose Basecamp
Commercial Paint Orders Are Front-Loaded
A $120K office repaint requires $30K in Sherwin-Williams paint and primer before you roll a single wall. The property manager pays net-45. We bridge that gap so you don't max out your business credit card.
Spray Rigs and Boom Lifts Financed
Adding a commercial division means $50K in spray rigs, boom lifts, and pressure washers. Finance the equipment and keep your cash for the crew expansion that actually books the jobs.
Crew Scaling for Peak Season
Summer hits and you've got 12 exteriors booked. You need 4 more painters at $25/hour but they want to start Monday. A $15K working capital loan funded in 48 hours covers two weeks of crew ramp-up.
Net-45 Commercial Clients Paid Now
Property managers and GCs pay net-45 or net-60. You've already bought $20K in materials and paid your crew. A line of credit means you take the big commercial jobs without cash flow stress.
Bobby's Take
Bobby's Playbook for Painting
Most painting contractors walk into a bank and get evaluated against a 5-year operating-history checklist — not the active commercial-paint backlog plus residential-repaint book they actually have right now. Lenders who specialize in painting contractors look at the work in front of you, not the work behind you. They underwrite your crew-payroll between draws and seasonal-mix revenue split. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a painting contractor transaction closes: residential-versus-commercial revenue mix, your project pipeline, and crew-retention metrics. Not your personal FICO. Not your time in business. Specialist painting contractor lenders care about whether your monthly draw revenue supports a $1,000-$2,000/month payment — and whether your crew base proves you can absorb mobilizations without losing painters to competing shops.
The biggest mistake painting contractors make: applying for financing without showing the project backlog. The lender sees trailing 4 months of statements and assumes that's the run rate, missing the $200K of signed projects in the queue. The fix: produce a 90-day project backlog summary with start dates and contract values. Specialist painting contractor lenders price contracted backlog as recurring revenue. Generalist lenders only credit what cleared the bank.
commercial-repaint contract revenue lost without crew capacity
Where this gets interesting at scale: a painting contractor adding sprayers, lifts, and a second crew or expanding into commercial repainting doesn't need ONE loan. They need equipment financing for the lifts and sprayers + a working capital line for paint inventory and crew payroll between draws + sometimes invoice factoring on commercial-property-management contracts (net-45 to net-60). Three products, three lenders, one application — that's how single-crew painting shops scale into multi-crew commercial repainting operations.
The painting contractors who scale fastest aren't the ones who waited until the next commercial bid was won before adding crew capacity. They're the ones who had crew and lifts ready when a property-management company offered an additional building. Turning down a $100K commercial-repaint contract because you can't add a crew is revenue going to a competing shop. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your painting business this week.
Bottom line:
Painting contractors get underwritten on trailing four months when $200K of signed projects sit in the queue. Show the 90-day backlog — that's the contracted forward revenue specialists price as recurring.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Paintings Face
Pricing Transparency
What Painting Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Paintings
Finance the equipment. Keep your cash. Take the deduction. Your crew vans (x2) costs $54,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your trade, current jobs, and bid pipeline. No bonding docs yet.
Soft Credit Screen
We screen options with zero impact to your FICO or bonding capacity.
Construction-Specialty Lenders Compete
70+ lenders who underwrite GCs, electricians, plumbers, and concrete contractors review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draw schedules, and how each affects your bonding line.
Choose Your Offer, Sign, Get Funded
E-signature. Funds land in time to cover materials and crew before the first draw.
Painting Capital Uses
What Painting Businesses Use Funding For
Payroll & Operations
Bridge cash flow gaps. Keep crews paid when receivables run 30-60-90 days.
Job Mobilization
Fund upfront costs — materials, permits, equipment rental — before first draw.
Scale & Win Bigger Jobs
Take on larger contracts. Expand territories. Hire key staff.
AI & Technology
Drones, AI estimating, GPS fleet tracking, project management tools.
Equipment & Vehicles
Excavators, dump trucks, skid steers. Finance or lease — all established businesses.
Marketing & Branding
Truck wraps, websites, Google Ads. Build the brand that wins contracts.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your painting business?
Your lender will require proof of general liability and workers' comp before funding equipment over $50K. Our sister company InsuranceService365.com binds contractor policies same-day across 29 states — so insurance never holds up your funding.
Don't Wait Until You Need Funding to Get Funded
GC payments are net-30/45/60 by industry default. The contractors who win on price are the ones with capital to mobilize before the first draw. The contractors who win on schedule funded BEFORE the job started — not after the supplier called about a past-due invoice. Pre-qualify when the bid pipeline is steady.
Ready?
See What Your Painting Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Contractors Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Painting Businesses
Working Capital
Bridge payroll and materials between draw payments. Fund in 24 hours.
Learn More →Equipment Financing
Finance excavators, trucks, and tools — the equipment is the collateral.
Learn More →Business Line of Credit
Draw for materials when you need them, repay when the GC pays.
Learn More →Invoice Factoring
Convert 30-90 day receivables into same-day cash.
Learn More →FAQs
Painting Business Loan FAQs
Painting Contractor Loans — $10K to $20M+
Look — painting seems low-overhead until you book your first $120K commercial repaint. Materials are $30K upfront. The property manager pays net-45. And your paint supplier just dropped your credit terms because you were 10 days late once. You're not going to float that on a business credit card. I hear this story every single week from painting contractors who didn't think they needed financing.
We fund painters — residential, commercial, industrial coatings, specialty finishers — in as little as 24 hours. One application. 70+ lenders. Soft-pull pre-qual. I've funded $30K material advances for commercial repaints, $50K spray rig and boom lift packages, $15K crew ramp-ups for peak summer season, and $20K working capital loans when the paint supplier went COD. If you're turning down commercial work because you can't front materials, that's money walking out the door.
Stop Letting Slow GC Draws Park Your Crew. Get Your Painting Business Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide