Guides · Nothing gated · Published numbers only
Contractor funding questions, answered straight.
Each guide answers one question the way a contractor actually asks it, with the answer in the first lines, the criteria in a table, and the same published numbers that live on our product pages. Working capital and the Drawline are funded in-house; factoring, term loans and SBA loans are placed with partners.
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I'm a subcontractor and the GC pays net 60 — how do I cover payroll and materials meanwhile?
A revolving line you draw for payroll and repay when the pay app clears — or factoring, if your pay apps are already approved.
Read the guide →How do I fund a big new job before the first draw comes in?
Working capital or the Drawline for mobilization — $10K–$2M in 24 hours, first payment timed after the first pay app.
Read the guide →What are the best business loans for roofing companies?
Working capital or a revolving line for most roofers — sized off the peak 3 months, not winter; term and SBA loans need 650+.
Read the guide →Can a contractor get funding with bad credit?
Yes — no minimum credit score on working capital, the Drawline or factoring; SBA and bank term loans need 650+.
Read the guide →Can I get construction funding if I already have a cash advance?
Usually yes in second position; 3 or more open advances is a decline, and a term loan refinance is often the better path.
Read the guide →How much can a contractor borrow, and how fast?
$10K–$2M in-house (up to $10M through partners), funded the same day on complete files in before 11:00 AM ET.
Read the guide →Keep reading: all five products compared · funding by trade · resources & cash-flow data · the Contractor Standard
Read the answer. Then see your number.
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