Say yes to the bigger job
Landing a big contract is great until you realize you have to front the labor and materials. A line of credit covers the start-up costs so you can take the work.
- Front labor and materials
- Take jobs bigger than your bank balance
- Pay down as progress payments come in
Growth usually costs money before it makes money
Big jobs come with big up-front costs. Materials have to be ordered, crews have to be paid, and the first draw or invoice might be weeks away. Plenty of owners turn down work they could easily do because they can’t float the start.
A line of credit lets you cover those early costs and pay it back as the job pays you. When the next one comes along, the line is there again.
Owners use it to
- Order materials for a large job before the deposit arrives
- Cover payroll during the first weeks of a contract
- Bid on bigger work with confidence
- Handle change orders without stalling the job
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions owners ask
Do I need the signed contract to apply?
No. We look at your business’s revenue and bank statements. A signed contract can help the conversation, but it isn’t required.
Can I use it for government or commercial jobs?
Yes. It’s working capital for your business, whoever the customer is.
What if the job runs long?
Talk to your advisor. Since it’s a revolving line, you can pay down as payments come in and draw again if needed.
Other ways owners use their line
Payroll
Make payroll on time, even when customers pay you late.
Learn more →
Inventory & Materials
Buy stock and materials before the busy stretch, not after.
Learn more →
Equipment & Repairs
Fix or replace what breaks without draining your account.
Learn more →
Cash Flow Gaps
Cover bills in the weeks between doing the work and getting paid.
Learn more →
Expansion
Open a second location, remodel, or move into a bigger space.
Learn more →
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.