What is Cascara Capital and how do construction contractors qualify?

Cascara Capital is a funding platform connecting construction contractors, subcontractors, and heavy equipment firms with lenders specializing in construction working capital loans, bridge financing, and invoice factoring. The platform exists to solve the core cash-flow problem in construction: slow project payment cycles, seasonal revenue swings, and unexpected payroll or material costs that can't wait 30–60 days for a customer check.

The specifics

As of July 2026, Cascara Capital's partner lenders offer the following construction financing products:

Working capital loans — $10K–$500K; terms 3–24 months; factor rate 1.15–1.40 (≈25–60%+ APR); funding as fast as 24 hours. Minimum requirements: 550 FICO, 6 months in business, $10K+ monthly revenue. Best for payroll timing, material purchases, and emergency cash flow gaps.

Business term loans — $25K–$1M+; terms 1–5 years; 8–18% APR for strong credit files, up to 35% APR for thinner files; funding 2–5 days. Minimum requirements: 600 FICO, 12 months in business, $100K+ annual revenue. Ideal for equipment under $100K, hiring, or refinancing expensive short-term debt.

Business lines of credit — $10K–$250K revolving; Prime + 3% to mid-20s APR, plus 1–3% draw fee; setup in 1–3 days, same-day draws. Minimum requirements: 600 FICO, 6 months in business, $10K+ monthly revenue. Used for payroll timing, seasonal gaps, and supplier discounts.

Invoice factoring — $10K–$10M+ per transaction; 1–5% of invoice value (e.g., 1.5% first 30 days, +0.5% per 15 days); up to 90% advance; funding 24–48 hours. No minimum credit score; 3 months in business; $25K–$50K+ monthly invoices in construction, government contracts, or B2B. Best for subcontractors and staffing firms with unpaid invoices.

Equipment financing — $10K–$5M; 8–25% APR; terms matched to asset life (typically 48–84 months); 0% down at 650+ credit, 15–20% down otherwise; funding 3–7 business days. Minimum: 580 FICO, 6 months in business, $100K+ annual revenue. Secured by the equipment itself.

Bridge loans for construction — Short-term capital to cover gaps between project phases or when a project invoice is delayed. Bridge loans typically run 3–12 months and fund in 7–14 days, provided you have a clear repayment source (a signed contract or payment schedule).

Qualification & edge cases

The 550 FICO floor for working capital is the lowest entry point across Cascara Capital's product suite, making it accessible to contractors recovering from past cash-flow stress or newer to formal credit. However, applicants under 600 will see higher rates—expect a 3–5% APR premium compared to a 740+ file.

Time in business is the second major gate. Working capital and lines of credit require just 6 months; term loans and equipment need 12 months; SBA loans need 24 months. If you've been operating for fewer than 6 months, invoice factoring is often your only option, since it doesn't care about business history—only invoice volume and customer creditworthiness.

Revenue thresholds also vary. A subcontractor with $10K in monthly revenue can qualify for a line of credit or working capital immediately. To access a $1M+ term loan, you'll typically need $100K+ in annual revenue and 12+ months of tax returns.

If you're a sole proprietor or S-corp filing Schedule C or K-1 income on your personal return, lenders will request 2 years of personal and business tax returns, plus personal bank statements. If your business is newer than 6 months but you have consistent invoice flow, factoring bypasses the time-in-business gate entirely—you can fund in 24–48 hours based on the invoice and your customer's creditworthiness alone.

Background & how it works

Construction contractors face a unique working capital squeeze. Unlike retail or SaaS, construction projects are paid at discrete milestones or 30–60 days after invoice—yet payroll, equipment rental, and material suppliers expect payment in 7–30 days. According to the Bridge Financial Services Market Report 2026, bridge and short-term lending has grown 18% year-over-year as contractors seek rapid liquidity to cover this gap.

Cascara Capital partners use several underwriting methods:

Bank statement analysis — No tax returns required for quick decisions. Lenders pull 3–6 months of business bank statements to verify monthly revenue, expense stability, and cash flow patterns.

Invoice-based underwriting — For factoring, the lender evaluates the customer's invoice (not your credit) and advances up to 90% same day. Your construction firm or subcontractor gets cash now; the lender waits for the general contractor or government agency to pay.

Equipment collateral — Equipment financing is secured, meaning the loan is tied to the asset itself. This lowers risk and often lets lenders waive down payments for higher-credit applicants.

Soft-credit inquiry — Most Cascara Capital applications use a soft pull (no credit-score impact), so you can shop multiple lenders without damage to your FICO.

Funding timelines reflect the simplicity of each product. Working capital loans and lines of credit fund in 24 hours to 3 days because they rely on bank statements and a soft credit check. Equipment financing takes 3–7 business days because the lender must verify the equipment specs and title. SBA loans, though cheaper at Prime + 2.75–4.75% APR, take 30–90 days because they require full underwriting, tax returns, and SBA approval.

Bottom line

Cascara Capital is a fast-access funding platform for construction contractors who need working capital, payroll funding, or bridge loans without a 30–90 day SBA process. Contractors with 550+ credit, 6+ months in business, and $10K+ monthly revenue can qualify and fund in 24 hours through working capital or invoice factoring. If you need the cash to cover payroll or material costs before your next project payment arrives, check your rate and qualification in 2 minutes—no credit-score impact.

Sources

• Bridge Financial Services Market Report 2026
• Working Capital Loans: $25K–$2M, Rates & Fast Options
• Construction Bridge Loans 2026: A Guide for Independent Contractors
• The Best Construction Business Loans of 2026
• Construction Business Loan Statistics: Approval Rates and Industry Data

Disclosures

This content is for educational purposes only and is not financial advice. constructionworkingcapital.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.