Which construction trades does Jobsite Funding fund?

Jobsite Funding funds roofing, HVAC, electrical, plumbing, concrete and masonry, landscaping and site work, and general contracting, plus specialty trades including drywall, framing, flooring, painting, glazing, fire protection, fencing, paving, excavation, septic and utility, pools, solar, insulation, garage doors, gutters, tree service, demolition, restoration, steel erection and fabrication.

Which trade has the hardest time getting funded elsewhere?

Concrete and masonry in northern markets and landscaping without snow revenue have the hardest time getting funded elsewhere, because both have a hard operating stop of 8 to 12 weeks and January statements that look like liquidation. The Jobsite Funding allowance of 2 months under $5,000 was written for those files.

Do snow and ice contracts count as revenue?

Yes. Snow and ice management is counter-season revenue for a landscaping or site-work contractor and Jobsite Funding counts it in the trailing twelve like any other deposit.

I am a general contractor, not a sub. Do you fund GCs?

Yes, Jobsite Funding funds general contractors. GCs carry the longest receivable cycle in the industry, so approved pay applications and backlog are weighted heavily on a GC file because the bank statement understates the business.

My trade is not on your list. Can I still apply?

Yes. The Jobsite Funding trade list is not exhaustive. Any licensed contractor billing a general contractor or a homeowner can apply, and the Contractor Standard is the actual gate.

7 core trades · 20+ specialty trades · All 50 states

We underwrite each trade differently, because each trade's cash flow is different.

Q: Do the requirements change by trade?

No. Every trade clears the same Jobsite Funding Contractor Standard: 6 months in business, $180,000 in trailing-12-month deposits and no minimum credit score on working capital. What changes by trade is how the seasonality is read and what the offer is sized against.

Typical job size, margin, seasonality and the specific cash-flow gap — for roofing, HVAC, electrical, plumbing, concrete, landscaping and general contracting.

Check your offer →

$0 to apply · Soft credit pull · No impact to your credit score · 4-minute application

The short answer

Jobsite Funding funds roofing, HVAC, electrical, plumbing, concrete and masonry, landscaping and site work, and general contracting, plus specialty trades from drywall to fire protection.

Every trade clears the same Contractor Standard: 6 months in business, $180,000 trailing-12-month deposits, and no minimum credit score on working capital. What changes by trade is how we read the seasonality and what we size the offer against.

Seasonality at a glance

Seasonality, job size and margin by construction trade
Trade	Typical job size	Net margin	Peak	Trough	How we adjust
Roofing	$8,000–$25,000	10%–20%	Late spring through fall; storm-driven spikes	Deep winter in northern markets	Size off peak 3 months; 2 free sub-$5,000 months; step-down Dec–Feb
HVAC	$5,000–$15,000	12%–22%	Twin peaks: cooling season and heating season	Shoulder months (Apr–May, Sep–Oct)	Two shallow troughs, not one deep one — we size off trailing twelve and rarely need step-down
Electrical	$500–$10,000	15%–25%	Fairly flat; tied to construction starts	Mild	Least seasonal trade. Lumpiness here is project-driven, not weather-driven
Plumbing	$300–$8,000	15%–25%	Fairly flat; emergency and freeze-event spikes	Mild	Service revenue smooths the curve; new-construction plumbing is lumpier
Concrete & masonry	Project-based	Project-based	Pour season	Hard stop below pour temperature; northern markets effectively close Dec–Feb	The trade our 2-free-slow-months rule was written for
Landscaping & site work	$1,000–$20,000	8%–15%	Spring through fall	Winter, unless there is snow revenue	Most seasonal trade in the file. Snow and ice contracts count as counter-season revenue
General contracting	$20,000–$200,000+	8%–15%	Project-driven, not weather-driven	Between awards	Longest DSO in the industry. We weight approved pay apps and backlog heavily

Margin and job-size benchmarks are published contractor-profit-margin research for 2026. Overhead for most contractors runs 25%–40% of revenue. Every figure on this page is either a cited third-party industry benchmark or a published Jobsite Funding criterion.

The seven trades

Roofing

$8K–$25K typical job · 10%–20% net margin · peak late spring through fall

Roofing is the trade most exposed to weather and most rewarded by it. A single hailstorm can turn a slow quarter into a backlog you cannot staff. That whipsaw is what breaks generic underwriting: three statements from a quiet pre-storm quarter and a roofer looks like a failing business; three from a post-storm quarter and the same roofer looks like they tripled, which triggers a different kind of lender skepticism. We read twelve months and size off the peak three.

What they borrow for: Materials on supplementing insurance jobs, crew expansion before storm season, a second dump trailer and hoist.

What makes this trade's statements misread: Insurance-carrier payments land in irregular lumps tied to adjuster approvals, not to when you worked.

HVAC

$5K–$15K typical job · 12%–22% net margin · twin peaks, cooling and heating season

HVAC has the friendliest cash-flow shape of any trade we fund: two peaks a year rather than one, with shoulder-month troughs that are shallow and short. Service agreements provide a floor that most trades do not have. The capital need is usually inventory and equipment ahead of a season, and crew payroll in the two weeks before a heat wave pays for itself.

What they borrow for: Pre-season equipment stocking, recovery machines and service van upfits, financing customer installs.

What makes this trade's statements misread: A lender pulling April and May statements is looking at your two weakest months of the year, by definition.

Electrical

$500–$10K typical job · 15%–25% net margin · least weather-exposed trade

Electrical has the best margins in the trades and the least weather exposure, because most of the work is inside a building envelope. Lumpiness here is project-driven: a single $180,000 tenant-improvement package can dominate a quarter. Commercial electrical subs also carry some of the longest retainage holds, because electrical is often substantially complete well before the building is.

What they borrow for: Gear and switchgear deposits on long-lead orders, prevailing-wage payroll, service-truck fleet.

What makes this trade's statements misread: Long-lead gear deposits go out 90–150 days before the billing they support.

Plumbing

$300–$8K typical job · 15%–25% net margin · service revenue smooths the curve

Plumbing splits into two businesses with different cash-flow shapes. Service and repair is near-flat month to month, emergency-driven, and often paid at time of service — the cleanest bank statements in construction. New-construction and commercial plumbing is progress-billed and looks like every other sub. If you run both, tell the underwriter the split; it changes how we weight the file.

What they borrow for: Hydro-jetters and sewer cameras, fixture packages on multifamily, a second service truck.

What makes this trade's statements misread: If your new-construction side is 70% of revenue, the service side's steady deposits hide a much lumpier underlying business — and we would rather see it than be surprised by it.

Concrete & masonry

Project-based job size and margin · hard stop below pour temperature

Concrete is the trade our criteria were written for. You cannot reliably pour below about 40°F, which means a northern concrete contractor has a hard operating stop for 8–12 weeks a year and a January statement that looks like a business in liquidation. Mobilization on a dirt-and-concrete job also runs higher than most trades — DOT and federal owners often cap mobilization at 5%–10% of contract value, and on a $2,000,000 job that is $150,000–$200,000 out the door 60–90 days before the first pay app clears.

What they borrow for: Mobilization, formwork and shoring systems, mixer and pump payments through the off-season.

What makes this trade's statements misread: Two consecutive near-zero months are normal and expected for this trade. Our published criteria allow exactly that.

Landscaping & site work

$1K–$20K typical job · 8%–15% net margin · most seasonal trade we fund

The most seasonal trade we fund, with the thinnest margins. Northern operators with snow and ice contracts have a genuine counter-season; operators without them have a five-month hole. Design-build and hardscape work is project-lumpy on top of being seasonal — a $95,000 hardscape job can be a quarter of the year's revenue.

What they borrow for: Spring crew ramp and material pre-buys, mowing fleet and skid attachments, surviving February.

What makes this trade's statements misread: A landscaper applying in February is presenting their single worst data to a lender using a 3-month average. That is not a credit decision, that is a calendar accident — which is exactly why we gate on trailing twelve.

General contracting

$20K–$200K+ typical job · 8%–15% net margin · longest receivable cycle

GCs carry the longest receivable cycle and the largest absolute gaps. Days sales outstanding in engineering and construction reaches 100 days at the top of the range, against roughly 60 days across all US industries. 95% of GCs float payments while awaiting developer disbursements. A GC's statements are not seasonal so much as project-phased — a $1.2M quarter followed by a $180,000 quarter is a normal, healthy award cycle, not a decline.

What they borrow for: Funding subs ahead of the owner draw, bonding-capacity working capital, carrying a change order through approval limbo.

What makes this trade's statements misread: You are the one absorbing everyone else's float.

Also funded

Not an exhaustive list. If you hold a trade license and you bill a GC or a homeowner, apply.

The Contractor Standard

Our published minimums. No login, no form, no phone call to find out.

See what you qualify for →

Jobsite Funding eligibility criteria for construction business funding
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

Seasonal and project-lumpy revenue. We gate on $180,000 of trailing-12-month deposits rather than a 3-month average, we allow up to 2 months under $5,000 in that window with no explanation required, and we size the offer off your 3 strongest consecutive months. Off-Season Step-Down drops your payment to 40% in up to 4 months you name at application, written into the contract at origination.

Keep reading: working capital · the Drawline · equipment financing · invoice factoring · term loans · SBA loans · seasonal underwriting · what you need to apply

Trades, answered

Which construction trades does Jobsite Funding fund?: Jobsite Funding funds roofing, HVAC, electrical, plumbing, concrete and masonry, landscaping and site work, and general contracting, plus specialty trades including drywall, framing, flooring, painting, glazing, fire protection, fencing, paving, excavation, septic and utility, pools, solar, insulation, garage doors, gutters, tree service, demolition, restoration, steel erection and fabrication.
Do the requirements change by trade?: No. Every trade clears the same Contractor Standard — 6 months in business, $180,000 trailing-12-month deposits, no minimum credit score on working capital. What changes is how we read the seasonality and what we size the offer against.
Which trade has the hardest time getting funded elsewhere?: Concrete and masonry in northern markets, and landscaping without snow revenue. Both have a hard operating stop of 8–12 weeks and statements that look like liquidation in January. Our 2-free-slow-months allowance was written for exactly those files.
Do snow and ice contracts count as revenue?: Yes. Snow and ice management is counter-season revenue for a landscaping or site-work contractor and we count it in the trailing twelve like any other deposit — it is often what turns a five-month hole into two step-down months.
I am a general contractor, not a sub. Do you fund GCs?: Yes. GCs carry the longest receivable cycle in the industry and the largest absolute gaps. We weight approved pay applications and backlog heavily on a GC file, because the bank statement understates the business by a wider margin than in any other trade.
My trade is not on your list. Can I still apply?: Yes. The list is not exhaustive. If you hold a trade license where your work requires one, and you bill a GC or a homeowner, apply — the Contractor Standard is the actual gate.

Your trade's February is in our criteria, not in your way.

Check your offer → Call (888) 896-5559

$0 to apply · Soft credit pull · A person calls you the same business day