Construction lending
Construction Business Funding That Keeps Crews Paid
Construction business funding is working capital arranged for contractors, covering payroll, materials, and mobilization costs while payment on a job sits in draws or retainage. Forwardfy Capital is a broker, not a lender, matching contractors with funding partners for offers within hours and funds as soon as the same day.
No credit impact to check your options · Bad credit considered
Why Contractors Choose Forwardfy for Construction Funding
Quick Funding
Funds as soon as the same day, so projects stay on track and bids never stall for cash.
Flexible Options
Revenue-based funding and custom structures that match draw schedules.
Industry Expertise
Construction-specific solutions aligned with how contractors actually get paid.
Credit-Flexible
A rough credit past doesn’t disqualify you. We focus on your business’s potential.
Simple Application
Apply online in minutes, no mountain of paperwork between you and an answer.
Materials & Equipment
Cash flow for lumber, steel, rentals, and the tools that win bigger jobs.
Seasonal Support
Bridge the winter slowdown and ramp up fast when the busy season hits.
Expert Guidance
Advisors who know construction cash flow and stay with you after funding.
When the GC Pays in 60 and Payroll Is Friday
You’ve done the work. The invoice is out. But retainage, slow draws, and 60-day terms mean the money you earned is stuck on someone else’s books while your expenses keep their own schedule.
That’s the gap working capital closes. Whether it’s mobilizing for a new project, covering a payroll crunch, or grabbing discounted materials before prices move, contractors use Forwardfy to keep momentum between payments, without giving up equity or waiting on a bank committee.
- Mobilization costs for new contracts
- Payroll between draws and during retainage holds
- Bulk material purchases at today’s prices
- Equipment repairs and rentals that keep jobs moving
How it works for contractors
- Apply in under 3 minutes: no charge, no commitment, no credit impact.
- Get a personalized offer within hours, structured around your revenue.
- Upload your last 4 months of bank statements via our Secure Upload Center.
- Funds as soon as the same day after you accept.
Funding Options for Contractors
Different jobsite problems call for different structures. If the cash is sitting in approved pay apps to a slow-paying GC, invoice factoring advances most of the invoice now and settles when the GC pays. If the gap between draws repeats on every project, a business line of credit lets you draw only what a given week needs and pay interest only on that. Planned equipment purchases - a skid steer, a second truck, a bigger excavator - usually fit term loans (estimate the payment with our equipment financing calculator), while a merchant cash advance ties repayment to your revenue when deposits swing month to month. One application covers all of them: your advisor prices what fits your bank activity and explains every number before you sign.
Waiting out a hold right now? Our guide to surviving retainage and slow GC payments walks through a realistic payment timeline and the fixes that don’t require borrowing at all.
Real people pick up.
You’ll talk to a funding advisor, not a phone tree. Monday – Friday, 9:00 a.m. – 8:00 p.m. ET.
If Your Business Earns Revenue, You’re Probably Closer Than You Think
Banks look backward at credit history. We look forward at where your business is going. Here’s what we consider:
- Consistent monthly revenue: steady deposits matter more than a perfect score.
- An active business bank account: your last 4 months of statements tell the story.
- A U.S.-based business: we arrange funding for small businesses nationwide.
- Any credit profile considered: past challenges don’t define your future.
Exact requirements vary by funding product. Checking your options never affects your credit score.
Check My Eligibility60-Second Match Check
Three questions, instant estimate: nothing submitted, nothing stored.
Strong, consistent deposits can push real offers above this range.
Illustrative estimate, not an offer. Checking for real never affects your credit.
Construction Funding FAQs
Can I get funding while waiting on a draw or retainage?
Yes: that's one of the most common reasons construction businesses come to us. Funding based on your business's revenue turns money you've already earned (but haven't been paid) into cash for payroll, materials, and mobilization on the next job.
Does bad credit disqualify my construction company?
No. We focus on your business's potential and current performance, recent bank activity and revenue, rather than relying solely on credit scores. Being declined by a bank doesn't rule you out.
How fast can a construction business get funded?
Apply online in under 3 minutes, receive a personalized offer within hours, and get funds as soon as the same day after acceptance, so bids, crews, and material orders stay on schedule.
How much funding can a construction company get?
Funding typically ranges from $10,000 to $6 million, based on your monthly revenue and recent bank activity rather than collateral. You'll need your last 4 months of business bank statements. Checking your options has no effect on your personal credit score; any soft credit pull happens only if you choose to move forward.
Also in the trades? See HVAC lending, explore capital for bad credit, or estimate payments with the business funding calculator.
Related Tools & Guides
Equipment Financing
Fund a skid steer, a second truck, or a bigger excavator and keep cash for payroll.
Read the guide →Invoice Factoring
Turn progress billings and retainage into working capital now.
Read the guide →Construction Cash Flow & Retainage
Why jobs eat cash before they pay, and how to bridge the gap.
Read the guide →Funding Calculator
Estimate payments and total cost before you apply.
Open the tool →Term Loans
Fixed payments for a planned, larger equipment purchase.
Read the guide →Compare Funding Options
MCA, term loans, lines of credit, and factoring side by side.
Read the guide →Keep Every Project Moving
Join the contractors who stopped letting slow payments set their schedule.
Checking your options has no effect on your credit score · Monday – Friday, 9:00 a.m. – 8:00 p.m. ET