ISO & broker program · 10%–15% commission
Submit the construction files everyone else passes on.
A direct lender that buys seasonal and project-lumpy paper. Same-day decisions, commission paid within 1 business day, and a named rep instead of a queue.
$0 to apply · Soft credit pull · No impact to your credit score · 4-minute application
The short answer
Jobsite Funding pays ISOs and brokers 10%–15% commission on funded construction files, with same-day decisions and a named rep.
We underwrite working capital, the Drawline and equipment financing in-house, and we buy files other funders decline for seasonality: up to 2 months under $5,000 in the trailing twelve, qualification on trailing-12-month deposits rather than a 3-month average, and offers sized off the 3 strongest consecutive months.
Why construction paper works here
- 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 the 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. Third is where we start asking hard questions; fourth is a decline.
- Thin or no personal credit. No FICO minimum on working capital, the Drawline, or factoring.
Commission and terms
| Term | Detail |
|---|---|
| Commission | 10%–15% of funded amount, product and file dependent |
| Paid | Within 1 business day of funding, by ACH |
| Decision speed | Same business day on complete submissions received before 2:00 PM ET |
| Renewals | Commissionable to the originating partner |
| Conflict policy | 90-day protection on submitted merchants from date of submission |
| Rep | A named underwriter and a named rep. Not a shared inbox. |
What a complete construction submission contains
- Application
- 6 months of business bank statements — we will take 12 and we prefer them on a seasonal file
- Driver's license
- Voided check
- A note naming the merchant's slow months. This is one of the two things that gets a seasonal file approved.
- Any approved pay applications, signed subcontracts with a schedule of values, or a retainage schedule. That last item is worth more on a construction file than a credit report.
Attribution — read this one
Every partner link carries your code. Your partner code is embedded in every link in your portal as ?ref=EF-XXXXXX. If a merchant lands on this site through your link, the code persists through the application.
If you hand-type a URL without the code, the deal is unattributed and the commission is not automatic. Always copy the link out of your portal — never retype it, and never shorten it through a third-party link service that strips query parameters.
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
Keep reading: all six products · funding by trade · contact · compliance and licensing
Partner program, answered
- What commission does Jobsite Funding pay ISOs?
- 10% to 15% of the funded amount, depending on product and file, paid by ACH within 1 business day of funding. Renewals are commissionable to the originating partner.
- How fast do I get a decision on a submission?
- Same business day on complete submissions received before 2:00 PM ET. A complete submission is the application, 6 months of bank statements, a driver's license and a voided check.
- What construction files does Jobsite Funding buy that others decline?
- Seasonal deposit patterns with up to 2 months under $5,000, one large irregular pay-app deposit in an otherwise small month, statements that understate stated revenue where approved pay apps exist, sole proprietors, second position, and thin or no personal credit on working capital.
- What is your conflict and protection policy?
- 90-day protection on a submitted merchant from the date of submission. The originating partner keeps the file and the renewals inside that window.
- How is my deal attributed to me?
- Through the ?ref= partner code embedded in every link in your portal. Copy the link out of the portal rather than retyping a URL — a hand-typed link without the code produces an unattributed deal, and the commission is not automatic.
- Which products can I submit?
- All six. Working capital, the Drawline and equipment financing are underwritten in-house with same-day decisions. Invoice factoring, term loans and SBA are placed with partners and run on longer timelines — 3–7 days, 2–4 weeks and 4–10 weeks respectively.
Same-day decisions. A named rep, not a queue.
Commission 10%–15% · Paid by ACH within 1 business day of funding · 90-day merchant protection