What's the best funding for a contractor's cash-flow gap?

A business line of credit is usually the best fit — flexible, reusable, and you only pay for what you draw, which matches the draw-and-repay rhythm of construction jobs. For a single gap when speed matters, a short-term advance can bridge it.

Can contractors get funding while waiting on slow-paying jobs?

Yes. Receivables or invoice financing turns unpaid invoices into cash now, and revenue-based working capital underwrites on your bank deposits, so you don't have to wait on the general contractor to pay before you cover materials and payroll.

How much working capital can a contractor get?

It depends on your revenue and the product. Funding generally runs from $5K to $2M, with revenue-based offers typically scaling to your monthly deposits. One application lets you compare what different funders will extend.

Working Capital for Contractors: Funding Between Invoices

Construction runs on a brutal timing mismatch: you buy materials and pay your crew this week, then wait 30, 60, even 90 days to get paid on the job. Profitable contractors still run short of cash for exactly this reason. Working capital is how you bridge the gap between doing the work and getting paid.

Why contractors run short despite being busy

A full schedule is not the same as full bank account. Materials, equipment rental, fuel, and payroll all come due before progress payments and retainage arrive. The busier you get, the wider the gap — every new job front-loads cost. That is a cash-flow problem, not a profit problem, and the right tool is working capital, not a long-term loan.

The working-capital tools that fit

Line of credit: the classic fit — draw to cover materials and payroll, repay when the job pays, and reuse it. You pay interest only on what you draw.
Short-term advance: a revenue-based advance underwritten on your bank deposits, useful for a specific gap when you need cash fast.
Invoice/receivables financing: turns unpaid invoices into cash now instead of waiting on slow-paying generals.

Match the funding to the job, not the other way around

Use short-term working capital for short-term gaps and reserve longer products for real investments — a new excavator belongs on equipment financing, not a 6-month advance. The mistake that hurts contractors is taking a long, expensive product to plug a 60-day receivables gap. Size the funding to the gap and the payback to when the job actually pays.

One application, the right contractor funders

Construction is an industry many funders underwrite carefully, and each has its own box on revenue, time in business, and trade. The Broker Shop is a broker, not a funder: one application reaches the funders whose guidelines you meet, and you compare a line of credit against a short-term advance in one place. Funding runs $5K to $2M depending on revenue and product, it's free to apply, and checking your options won't affect your credit score.

See what you qualify for

One 2-minute application is matched to the funders whose guidelines you meet. It's free, and checking your options won't affect your credit score.

See What I Qualify For →

The bottom line: Contractors run short because cost comes before payment — bridge it with a line of credit or short-term advance, and keep long products for real equipment. One application matches you to the funders whose guidelines you meet, $5K to $2M, free to apply.