Construction Business Funding
By Anthony Collin, CEO, Smart Business Funding | Updated October 7, 2026
Contractors pay for labor, materials and permits up front, then wait on draws and final payments. Smart Business Funding gives construction companies working capital in as little as 24 to 48 hours, so the next job never has to wait on the last invoice. Learn how a merchant cash advance works, with fixed daily or weekly payments and a total payback you know up front.
How construction companies use working capital
Whether you are a general contractor, a specialty trade or a remodeler, these are the gaps funding helps close.
Materials and supplies
Buy lumber, concrete, steel and fixtures at the start of a job instead of waiting for the first draw.
Payroll and subcontractors
Pay crews and subs on schedule while clients take 30 to 90 days to pay.
Equipment and rentals
Rent or add tools and machines for a bigger job. For long-term purchases, see equipment financing.
Bonds, permits and insurance
Cover bid bonds, permits, licensing and insurance costs that come before the work starts.
Taking on bigger projects
Say yes to larger or simultaneous jobs without stretching your cash to the limit.
Slow-season cash
Keep the lights on through weather delays and winter slowdowns.
How funding works for contractors
Apply online
Fill out one short application. It takes about two minutes and uses a soft credit pull only.
Review your offer
On a complete file, offers usually come back in 1 to 5 hours. We show the amount, factor rate, fees and payment up front.
Get funded
From application to funding usually takes 24 to 48 hours. Payments are a fixed daily or weekly amount.
What to know before you apply
- Funding from $10,000 up to $5,000,000
- At least 1 year in business
- At least $5,000 in monthly revenue
- Minimum credit score of 500, soft pull only
- Fixed daily or weekly payments
- No collateral required on our direct merchant cash advance
- Apply directly with us and you work with us, not a broker or middleman
- Customer service available 24 hours through our call center
Want to see the math first? Use the funding calculator or read our Transparent Terms for exact factor rates and fees.
Why contractors choose direct funding
Construction cash flow rarely lines up with job costs. Banks can take weeks and ask for heavy documentation. We look at your business revenue, show you the amount, factor rate, fees and payment up front, and fund quickly. Remodeling, home improvement and specialty trades are all welcome. For project-by-project cash needs, you can also explore lines of credit through our partners.
Questions contractors ask
Can a newer contractor qualify?
You need at least 1 year in business and at least $5,000 in monthly revenue. We review bank statements and revenue, with a soft credit pull only.
Can I use funding for materials and payroll on a single job?
Yes. Funding is flexible working capital, so you choose how to use it: materials, payroll, subs, equipment rentals or permits.
How is repayment handled while I wait on a draw?
Repayment is a fixed daily or weekly payment. Review the full terms and the funding calculator before you decide.
Ready to see what your construction company qualifies for?
Offers in 1 to 5 hours, funding in 24 to 48 hours, up to $5M. Soft pull only, no cost to apply, no obligation.
Apply Now Call 1-866-737-6278Related: All industries | Equipment financing | Lines of credit | How it works
