Capital for your next project milestone — Construction Capital
We connect US construction firms with lenders for payroll funding, material costs, and bridge capital to close the gap between work done and payment received.
Soft inquiry only. Checking rates does not affect your credit score.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Retainage
- Progress billing
- Draw schedule
- Mechanics lien
- Subcontractor default
- Mobilization costs
- Construction bridge
- Pay application
Construction company working capital and bridge financing
Financing options matched to your situation, in one place.
- OPERATING Working capital lines Maintain steady cash flow through slow payment cycles and seasonal dips.
- BRIDGE Project bridge loans Short-term funding to cover material costs before the next draw arrives.
- FACTORING Invoice financing Get paid immediately on outstanding pay applications and invoices.
- EQUIPMENT Heavy machinery loans Upgrade or repair essential job site equipment with dedicated financing.
- $25K–$2M Available funding range
- 24–48 hours Typical approval speed
- 1 soft pull No credit score impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry expertise
- Our network knows construction-specific credit cycles.
- Lenders understand the reality of retainage and pay delays.
No upfront fees
- We never charge borrowers to connect with our network.
- Our compensation comes directly from participating lenders.
Rapid turnarounds
- Digital processes cut wait times for payroll funding.
- Funding decisions often happen within two business days.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Concentration risk
Traditional banks often reject firms with too much revenue tied to a single large contract.
Slow cash cycles
Standard lenders penalize the long gaps between pay applications and actual cash receipt.
Equipment-heavy assets
Banks struggle to value specialized heavy machinery as acceptable collateral.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Commercial electrical contractor
Purchasing copper and wiring for a project before the client draw was released.
Heavy equipment rental firm
Emergency repairs on two excavators during peak paving season.
General contractor
Covering payroll for 40 workers while waiting on city government payment.
Concrete subcontractor
Bridging 60-day gap between completed foundation work and payment.
Construction business resources
Access our library of guides on tax planning, equipment depreciation schedules, and managing vendor credit terms to keep your firm in the black throughout the year.