Fast Capital for Construction & Specialty Trades
Fund equipment, materials, crews, and projects — term sheets in 48 hours, funding in 4–5 days.
Built for contractors who move fast.
We know what keeps contractors up at night
Construction cash flow is unique. We underwrite the realities of your business, not a banker's checklist.
Cash flow gaps between bids
Winning a project means buying materials and mobilizing crews weeks before the first progress payment arrives.
Retainage tying up capital
5–10% held back until final closeout can strain liquidity, especially on multi-phase jobs.
Seasonal revenue swings
Winter slowdowns and weather delays create lumpy cash flow that traditional lenders struggle to underwrite.
Equipment & fleet demands
Growing means adding or replacing heavy machinery — fast capital keeps crews productive.
Labor mobilization costs
Bringing on skilled trades, subs, and project managers requires upfront payroll before billing cycles catch up.
Bonding & insurance pressure
Larger contracts demand higher bonding limits and coverage — liquidity unlocks bigger opportunities.
Why Construction Businesses Choose Us
Built for the way you actually build
Deep underwriting expertise in bonded contracts, WIP schedules, and construction cash cycles.
Speed that matches your pace
Term sheets in 48 hours, funding in 4–5 days. Bid on jobs knowing your capital is ready.
Understand construction economics
We underwrite backlog, WIP schedules, and bonded contracts — not just tax returns and bank statements.
Flexible structures
Working capital lines, equipment term loans, acquisition financing, and project-specific facilities.
Certainty of close
When we issue a term sheet, we close. No last-minute surprises at the closing table.
How It Works
From application to funding in days, not months
Quick application
Share your backlog, WIP, and financials in under 15 minutes. We know what contractors need to show.
Term sheet in 48 hours
Our construction credit team underwrites fast and returns a clear, transparent term sheet.
Diligence & docs
We run parallel diligence — contract review, lien checks, insurance verification — so nothing stalls.
Funded in 4–5 days
Wire hits your account. You buy materials, mobilize crews, and stay ahead of schedule.
Real Results
Capital deployed for construction operators
Growth line of credit deployed to fund three concurrent commercial projects and double crew capacity within 90 days.
Acquisition + working capital facility to purchase land, begin pre-sales, and scale from 12 to 30 homes per year.
Qualification Criteria
Straightforward, transparent fit
We tell you upfront whether your business qualifies — no months of back-and-forth before a decision.
- 2+ years in business
- EBITDA positive
- Annual revenue $1M+
- Funding range: $100K – $15M
- Active bonded contracts or proven backlog
- US-based operating company
Get your construction term sheet in 48 hours
Tell us about your projects, backlog, and funding needs. We'll underwrite quickly and close with certainty.