Direct lender · All 50 states · Miami, FL
Funding that understands a draw schedule.
Working capital, revolving credit, and equipment financing from $10,000 to $2,000,000 — underwritten on your trailing twelve months, not your slowest three. Decision in hours. Funded in 24.
$0 to apply · Soft credit pull · No impact to your credit score · 4-minute application
Why your bank statements make you look weaker than you are
Three things happen to a contractor's bank account that do not happen to a restaurant's.
Your money arrives 83 days late.
Construction DSO averages 83 days against roughly 60 days for all US industries (industry payment research, 2025). Subcontractors wait an average of 51 to 56 days after submitting a pay application (construction financial benchmarking, FY2023–2025). The deposits in your September statement are July's work. A lender reading those statements is reading a two-month-old photograph and calling it your pulse.
Half your year happens in a quarter of it.
The median contractor earns 47% of annual revenue in its three strongest months (analysis of 217 contractors above $500,000 revenue, 2025). Which three months of statements a lender asks for therefore changes your apparent revenue by a factor of two or more — in either direction.
You front the job.
Mobilization typically runs 5% to 10% of contract value. On a $2,000,000 site job that is $150,000 to $200,000 out the door 60 to 90 days before the first pay application clears. 86% of subcontractors pay labor out of pocket while waiting to be paid and 75% do the same for materials (subcontractor payment survey, 2024). 81% have supplier terms shorter than their wait for payment (subcontractor payment survey, 2025).
Add retainage — 5% to 10% of every certified billing, held until substantial completion — and on a job with a 4% net margin, the retainage withheld exceeds the entire profit on the job. You do not earn the margin until the retainage is released, which can be another 30 to 90+ days after you finish.
None of this is a credit problem. It is a measurement problem. We built our file around it: 12 months of deposits instead of 3, peak-season sizing, two free slow months, weekly instead of daily remittance, and approved pay applications counted as the revenue they are.
Read the full method: how we underwrite a seasonal contractor →
The Contractor Standard
Our published minimums. No login, no form, no phone call to find out.
| Requirement | Jobsite Funding |
|---|---|
| Minimum credit score | None for working capital, the Drawline, or invoice factoring. We underwrite cash flow. 600+ for equipment financing. 650+ for SBA and bank term loans. |
| Time in business | 6 months |
| Revenue | $180,000 in trailing-12-month business deposits. Not a monthly minimum. |
| Slow months | Up to 2 months under $5,000 in your last 12 — no penalty, no explanation required. |
| Bank statements | 6 months. We read 6, not 3, because 3 months of a contractor's statements is a season, not a business. |
| Also counts as revenue | Approved pay applications, signed contracts with a schedule of values, and retainage receivable. Money you have earned but not yet been paid. |
| Funding range | $10,000 to $2,000,000 underwritten in-house. Up to $10,000,000 through our bank and SBA partners. |
| Time to funding | Same business day on complete files received before 11:00 AM ET. 24 hours is typical. |
| Contract length | 2 pages. |
| Early payoff | Discount of up to 30% off the remaining balance. No prepayment penalty on any in-house product, ever. |
| Collateral | None required for working capital or the Drawline. Equipment financing is secured by the equipment. |
| Personal guarantee | Yes, on in-house products. Standard for the industry and we are not going to pretend otherwise. |
| License | Active state or local trade license where your work requires one. |
| Business type | US business with a US business bank account and an EIN. Sole proprietor, LLC, S-corp, C-corp, partnership — all eligible. |
| Where we lend | All 50 states. |
| Cost | Working capital: a fixed total cost, disclosed in dollars in the agreement before you sign, over 3 to 18 months. Drawline: 1.8% to 4% per 30 days on the drawn balance only. Equipment: 7.9% to 24.9% APR, 24 to 72 months. |
| What it costs to apply | $0. Soft credit pull. No impact to your personal credit score. |
What we will decline: businesses under 6 months old, businesses with 3 or more open advances already in place, federal or state tax liens without a payment plan, and any applicant with an open bankruptcy. We will tell you on the phone, the same day, and we will tell you why.
Off-Season Step-Down: name up to 4 slow months at application and payments in those months are 40% of the in-season payment, with the deferred principal re-amortized across the in-season months. It is written into the contract at origination, not negotiated after you miss. Available on working capital and the Drawline.
Criteria last reviewed: 21 October 2026
The gap between what you have spent and what you have been paid
Move the sliders. The math is the same math your bookkeeper does on the 25th.
On a $500,000 job with 10% retainage and 75-day payment terms, you are carrying about $262,500 of your own money before the first dollar comes back.
Illustrative only. Your actual line, rate, and advance are set by underwriting.
Three we underwrite. Three we place.
In-house underwriting is the first option on every file. Where a product runs through a partner, we say so — and we name the partner before you sign.
Working Capital
Payroll between draws, materials, mobilization, and the job you cannot afford to wait to bid.
Working capital for contractors →The Drawline
Draw Monday for a materials order, repay when the pay app clears, draw again. An unused line costs $0.
Construction line of credit →Equipment Financing
Skid steer to a crane. New, used, dealer, auction, or private party. The machine is the collateral.
Equipment financing →Invoice Factoring
Sell an approved pay application instead of waiting 83 days for it. Retainage advances available separately.
Construction factoring →Term Loans
The right instrument for retiring expensive short-term debt and for multi-year assets. Placed with our bank partners.
Term loans for contractors →SBA Loans
Including the Contract CAPLine — a revolving line against awarded contracts that repays from progress payments.
SBA loans for contractors →We underwrite each trade differently
Every trade clears the same Contractor Standard. What changes is how we read the seasonality and what we size the offer against.
Storm-driven spikes HVAC$5K–$15K jobs · 12–22% net
Two peaks, shallow troughs Electrical$500–$10K jobs · 15–25% net
Least weather-exposed Plumbing$300–$8K jobs · 15–25% net
Service smooths the curve Concrete & MasonryProject-based
Hard stop below pour temp Landscaping & Site$1K–$20K jobs · 8–15% net
Most seasonal trade we fund General Contracting$20K–$200K+ jobs · 8–15% net
Longest DSO in the industry + 20 more tradesDrywall, framing, flooring, paving, glazing, fire protection, solar…
Four minutes to apply. Twenty-four hours to fund.
Apply
4 minutes. Soft pull. 6 months of bank statements — link them securely in about a minute, or upload PDFs. No fee, and no impact to your credit score.
Talk to an underwriter
A person calls you the same business day. Name your slow months on that call. Every file is read by a human — we do not issue automated declines. We call. We do not run you through an email sequence.
Sign and fund
A 2-page agreement with the total, the remittance, and the early-payoff discount all on it. Same-day wire on complete files in before 11:00 AM ET.
Built for seasonal and project-lumpy revenue
We read 12 months, not 3.
Three statements of a contractor's account is a season, not a business. We gate on $180,000 of trailing-12-month deposits and we allow up to two months under $5,000 in that window — published, not discretionary.
We size off your peak, not your average.
The offer is sized against your three strongest consecutive months, because that is when the obligation actually gets serviced. Averaging a seasonal business systematically under-funds it in the only months it can use the money.
You name your slow months.
Off-Season Step-Down drops your payment to 40% in up to four months you choose, written into the contract at origination. You see both payment figures before you sign. It is a term, not a hardship program.
Weekly, not daily. And pay it off early.
Daily ACH against an account that receives one $140,000 pay-app deposit on the 25th is a manufactured default. Construction files remit weekly by default, and early payoff takes up to 30% off the remaining balance.
Submitting construction paper?
We buy construction files other funders pass on — seasonal deposits, lumpy pay-app revenue, 2 or more sub-$5,000 months. Commission 10%–15%, same-day decisions, and a named rep — not a shared inbox.
- Seasonal deposit patterns — two near-zero winter months is a published allowance, not an exception request.
- One large irregular deposit. A $140,000 pay app in a $22,000 month is a pay app, not a red flag.
- Statements that do not match stated revenue — send the approved pay apps and the schedule of values; we count them.
- Sole proprietors and single-member LLCs. Eligible.
- Second position, usually yes. Thin or no personal credit, yes — there is no FICO minimum on working capital.
Frequently asked
- What are the minimum requirements for construction business funding at Jobsite Funding?
- Jobsite Funding requires 6 months in business, $180,000 in trailing-12-month business deposits, a US business bank account, and an EIN. There is no minimum credit score for working capital, the Drawline, or invoice factoring. Equipment financing requires 600+, and SBA and bank term loans require 650+. Up to 2 months under $5,000 in your last 12 are allowed with no penalty.
- Can a contractor get funded with seasonal revenue?
- Yes. Jobsite Funding qualifies contractors on trailing-12-month deposits rather than a 3-month average, allows up to 2 months under $5,000 in the last 12, and sizes the offer off your 3 strongest consecutive months. You can also elect Off-Season Step-Down, which reduces your payment to 40% in up to 4 months you name at application.
- How fast can a contractor actually get funded?
- Same business day on complete files received before 11:00 AM ET. 24 hours is typical. Equipment files that need a private-party lien search and inspection add 3 to 7 days.
- Will applying hurt my credit score?
- No. The application is free and uses a soft credit pull, which does not affect your personal credit score. A hard pull only occurs if you accept an offer on a product that requires one.
- Is Jobsite Funding a direct lender or a broker?
- Jobsite Funding is a direct lender. Working capital, the Drawline, and equipment financing are underwritten and funded in-house. SBA loans, long-term bank term loans, and invoice factoring are placed with our bank, SBA, and specialty-factor partners, and we say so on those pages.
- Do you count retainage and unpaid pay applications as revenue?
- Yes. Approved pay applications, signed subcontracts with a schedule of values, and retainage receivable are accepted as supporting evidence of revenue, in addition to bank deposits.
- Can I get funded with an existing advance in place?
- Usually yes for a second position. Jobsite Funding declines files with 3 or more open advances. Tell the underwriter what is in place on the first call; it changes the structure, not necessarily the answer.
- What if I have bad credit?
- There is no minimum credit score on working capital, the Drawline, or invoice factoring. We underwrite cash flow. Credit matters for equipment financing (600+) and SBA and bank term loans (650+), where the lender or the asset sets the floor.
- What do you not fund?
- Businesses under 6 months old, files with 3 or more open advances, unresolved federal or state tax liens without a payment plan, and applicants in open bankruptcy.
- Can I pay it off early?
- Yes, and you should. Early payoff earns a discount of up to 30% off the remaining balance. There is no prepayment penalty on any in-house Jobsite Funding product.
Your money is 83 days out. Ours is 24 hours out.
$0 to apply · Soft credit pull · A person calls you the same business day