According to Nautix Capital's lender network data, construction and contracting businesses can access $10K-$500K in funding within 24-72 hours. PO financing and equipment financing are the top products for contractors, with businesses generating $10K+/mo in revenue likely qualifying for project-based and equipment capital.

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SmartMatch evaluates 75+ lender programs to find the funding options most likely to approve your general contracting, subcontracting, or specialty trades business.

Qualification Snapshot

  • Monthly revenue: $10K/mo
  • Time in business: 1 year
  • Credit score: 550+
  • No credit pull required
  • Most construction & contracting businesses qualify
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Common Funding Uses for Construction & Contracting Businesses

Here is how construction & contracting business owners typically put funding to work.

Purchasing heavy equipment like excavators, loaders, and concrete pumps

Covering material costs and supplier payments before project payments arrive

Bridging cash flow gaps between project milestones and GC payments

Bonding support and insurance coverage for larger commercial bids

Hiring and payroll for seasonal labor surges on new projects

Top Funding Options for Construction & Contracting

Based on what works best for construction & contracting businesses in our lender network.

PO Financing

Fund large orders upfront so you can say yes to bigger opportunities.

Amount$10K - $500K
Speed2-3 days for verification, 5-7 days to fund
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Revenue-Based Funding

Flexible capital tied to your cash flow, with fast approvals and minimal documentation.

Amount$25K - $500K
Speed24-48 hours
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Equipment Financing

Finance new or used equipment with predictable payments that fit your cash flow.

Amount$10K - $500K
Speed3-5 days approval, 5-10 days to funding
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SBA Loans

Government-backed financing with lower rates and longer terms. 7(a), 504, and more.

Amount$50K - $5.0M
Speed30-60 days
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Construction & Contracting Funding FAQ

How can contractors fund materials before getting paid by the GC?
PO financing covers material and supplier costs on confirmed project orders, paying your suppliers directly. Revenue-based funding and working capital loans provide general cash flow within 24-72 hours. Both help contractors avoid turning down projects due to upfront material costs.
What is the best way to finance construction equipment?
Equipment financing offers 4-10% APR with 3-10 year terms matched to the equipment's useful life. Excavators, loaders, cranes, and specialty tools all qualify. The equipment itself serves as collateral, keeping rates lower than unsecured loans.
Can subcontractors qualify for business funding?
Yes. Subcontractors with consistent revenue qualify for revenue-based funding, working capital loans, and equipment financing. Lenders review your bank statements and payment history rather than requiring GC contracts. Most subs doing $10K+/mo qualify for at least one program.
How do I manage cash flow between project milestones?
Revenue-based funding adjusts payments to your incoming cash flow. Working capital loans provide $50K-$500K upfront with fixed payments over 12-60 months. Invoice factoring can advance funds on completed project milestones before the GC pays.
Do I need to be licensed and bonded to get contractor funding?
State contractor licensing is not a hard requirement for most lending programs, though it strengthens your application. Revenue-based funding and working capital loans focus on revenue and bank statements. SBA loans may require documentation of proper licensing.

Still Not Sure? Talk to Us.

Not every situation fits a neat box. If you have questions about funding your construction & contracting business, start a free SmartMatch assessment and our team will walk you through your options.

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