A line of credit built for how contractors get paid
You buy materials and pay your crew long before the draw or final invoice comes in. A line of credit covers the in-between so you can keep jobs moving.
- Cover materials and payroll between draws
- Take on bigger bids
- No equipment or property pledged
Jobs pay late. Crews and suppliers don’t wait.
Construction runs on other people’s schedules. Draws get held up, change orders take weeks to approve, and retainage can sit for months after you’ve finished. Meanwhile the lumber yard and your crew expect to be paid.
General contractors, roofers, framers, concrete and specialty trades use a Flex Credit Capital line to cover those gaps and to take on work they’d otherwise have to pass on.
Common uses
- Buying materials before the first draw
- Making payroll while waiting on a GC or owner to pay
- Repairing or replacing trucks, trailers and tools
- Mobilizing for a job larger than usual
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 from contractor owners
Can subcontractors qualify?
Yes. We work with subs and specialty trades as well as general contractors.
Do you look at my backlog or contracts?
We mainly look at your bank statements and revenue. Your contracts can help us understand your business, but they aren’t required.
Can I use it for bonding or deposits?
It’s working capital, so you can use it for most business costs, including deposits. Talk to your advisor about your specific situation.
Other industries we work with
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.