Revolving credit that covers the cash-flow gap between progress draws — draw what you need for fuel, parts, and payroll, pay it back, and draw again.
Apply Now →A business line of credit for contractors is revolving capital — from $25,000 to $5,000,000 — that you draw against whenever a job's costs land before the draw check does, then repay and reuse as work continues. Contractor Capital Funding builds these lines for equipment-heavy trades that live on progress billing: excavation, grading, paving, demolition, site prep, and general contracting. Instead of a one-time lump sum, you get a ceiling you can tap on demand — buy the diesel and hydraulic parts to keep the CAT and Komatsu iron running this week, then pay it down when the GC releases your draw. Approval leans on your business bank deposits and revenue more than your credit score, all credit is considered, and decisions typically come back in 4 to 24 hours with funding often the same or next day.
The problem in construction isn't usually profit — it's timing. You mobilize equipment, burn fuel, buy parts, and make payroll for weeks before the general contractor cuts a progress draw. A term loan hands you a fixed lump sum and a fixed payment whether you're using the money or not. A line of credit works the way a jobsite actually works: you pull cash only when a gap opens, and you stop paying interest on what you've repaid.
That fits the rhythm of draw-based billing. A grading crew waiting 45 days on a $180,000 draw can pull $60,000 to cover diesel, a hydraulic pump rebuild on the excavator, and two weeks of operator payroll — then repay it the day the draw clears and leave the rest of the line untouched for the next gap. You carry a balance only during the pinch, not for the life of a loan.
You're approved for a credit ceiling — say $150,000. That number is the most you can have outstanding at once, not a lump sum that hits your account. From there it revolves:
You pay for what you actually draw, not the full ceiling. A contractor approved for $150,000 who only ever carries $50,000 outstanding is only paying on that $50,000. The unused capacity sits ready — the point of a line is that it's there before the emergency, so a blown final drive or a fuel bill on a new mobilization never stalls the crew.
Lines run from $25,000 to $5,000,000. Where you land inside that range comes down to what moves through your business bank account, not a credit-bureau number. We look at:
Credit is considered — all of it, from strong to rebuilding — but a rough score doesn't end the conversation the way it does at a bank. If the deposits show a real, working contracting business, that carries the file. We're underwriting the cash flow of the operation, not a snapshot of your personal FICO.
The numbers below are illustrative, not an offer — they show how a $200,000 line typically gets used across a quarter of draw-based work.
| Event | Draw / Repay | Outstanding balance | Available to draw |
|---|---|---|---|
| Line approved | — | $0 | $200,000 |
| Fuel + hydraulic parts to keep two excavators running | Draw $45,000 | $45,000 | $155,000 |
| Payroll before the first progress draw clears | Draw $55,000 | $100,000 | $100,000 |
| GC releases $180,000 progress draw | Repay $100,000 | $0 | $200,000 |
| Final drive failure on the Komatsu dozer | Draw $38,000 | $38,000 | $162,000 |
| Second draw clears | Repay $38,000 | $0 | $200,000 |
The full $200,000 was never outstanding at once — the contractor paid only on what was drawn during each gap, and the line reset to full each time a draw cleared.
Contractor Capital Funding does both, and they solve different problems. Use this to point yourself the right way:
Plenty of contractors run both: a machinery loan for the iron itself and a revolving line behind it for the fuel, wear parts, and payroll that keep the iron earning. If you're not sure which fits your situation, apply and we'll size the structure to how your jobs actually bill.
The application is short and built around the two things that actually drive the decision — your deposits and your revenue. You'll submit basic business details and recent business bank statements; there's no lengthy loan package to assemble. From there:
Nothing here is guaranteed, and terms depend on what your statements show. But the process is deliberately fast, because a fuel bill or a broken pump on a live jobsite can't wait two weeks for a bank committee.
A lump-sum advance deposits a fixed amount once and you repay the whole thing on a set schedule. A line of credit is a ceiling you draw against as needed — you take $30,000 this week, repay it when a progress draw clears, and the capacity refreshes for the next gap. You only carry (and pay on) a balance while you're actually using the money.
No. Approval leans on your business bank deposits and revenue far more than your credit score. All credit is considered, including rebuilding credit. If your statements show a real contracting business with steady deposits, that's the core of the file — a weak score doesn't automatically end the conversation the way it can at a bank.
Lines run from $25,000 to $5,000,000. Where you land depends mostly on your monthly deposits and revenue, your deposit consistency, time in business, and any existing obligations against the same cash flow. The steady inflow from your draws and invoices is the biggest single factor in the ceiling.
Decisions typically come back in 4 to 24 hours after you submit your application and recent business bank statements. Approved lines are often funded the same or next day, so your first draw is available quickly. Nothing is guaranteed, but the process is built to move at jobsite speed.
No. Once the line is open, you draw against your available balance directly — no new application per draw. As you repay, that capacity frees up again for future gaps. The point of a line is that it's already in place before the next fuel bill or breakdown hits.
Use the line of credit for recurring operating cash — fuel, parts, payroll, mobilization, and the gap between draws. Use equipment financing when you're acquiring a specific machine like a CAT excavator or Bobcat skid steer and want that asset on its own term. Many contractors run both, and we can size the right structure when you apply.
Fast, flexible business funding for licensed contractors, builders and specialty trades nationwide.