General contractors carry materials, subs and labor for weeks before a draw or final payment lands. General contractor funding fronts those costs so you can run more projects at once without a cash-flow crunch.
What general contracting business owners fund
- Materials — front lumber, fixtures and supplies for jobs
- Subs & payroll — pay subcontractors and crews on time
- Equipment — tools, trailers and work trucks
- Retainage & draws — bridge held-back and slow payments
Running multiple jobs? A line of credit lets you carry materials and subs across projects and repay as each draw comes in.
Funding options
Working capital and a line of credit front materials and payroll; construction financing and factoring bridge draws and retainage; equipment financing covers tools and trucks.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 6+ months (startup options for equipment) |
| Monthly revenue | $10,000+ for revenue-based options |
| Credit score | No minimum on many programs |
| Documents | Application + 3 months bank statements |
Frequently asked questions
How do general contractors fund projects before payment?
Working capital and lines of credit front materials, subs and payroll, repaid as draws and final payments arrive.
Can I finance contractor equipment and trucks?
Yes. Tools, trailers and trucks are financed with the equipment as collateral, keeping approvals flexible on credit.