Construction Company Working Capital and Bridge Financing in Irving, Texas

Scan the options below, pick the one that matches what's keeping you up tonight — a payroll shortfall, a materials gap before a draw, slow GC payments, or a longer-term credit line — and follow that link.

What to know about construction working capital financing in Irving

Irving sits inside the Dallas–Fort Worth construction corridor, where project pipelines are large and payment cycles are long. A 45-to-90-day gap between invoice submission and receipt is normal on commercial builds; on government contracts it can stretch further. That gap is what construction working capital loans are designed to bridge — temporarily, at a cost you need to price before you sign.

The main products, side by side:

Product	Typical APR	Speed to funding	Best for
Invoice factoring	1–5% per 30 days (fee)	24–48 hours	Unpaid receivables, subcontractors
Online working capital loan	15–30%+ APR	1–3 business days	Payroll, materials, overhead
Business line of credit	10–15% APR	3–7 business days	Recurring gaps, revolving use
SBA 7(a) line of credit	8–11% APR	30–45 days	Established firms, lower rate priority
Contractor bridge loan	15–30%+ APR	3–10 business days	Project start before first draw
Merchant cash advance	40–80%+ APR equiv.	24–48 hours	Last resort; very high cost

Invoice factoring is the fastest tool available to Irving subcontractors sitting on unpaid draws. Factoring companies advance 80–90% of the invoice face value, then collect from your GC or owner directly. Fees run 1–5% of the invoice per 30-day period — expensive annualized, but the math works when the alternative is missing payroll. Funding arrives in 24–48 hours after the factor verifies the invoice, and there's no debt on your balance sheet.

Working capital loans and bridge loans give you unrestricted cash, which matters when you need to pre-purchase materials before a project mobilizes and don't yet have an invoice to factor. Most Irving contractors qualify with $200,000–$300,000 in annual revenue, a 600+ credit score, and 12 months in business. Rates range from 15–30%+ APR depending on credit tier and lender type. If your FICO is at 680 or above, a bank or credit union line of credit at 10–15% APR is worth pursuing in parallel — it takes longer to set up but costs far less to carry.

SBA 7(a) lines of credit are the cheapest option at 8–11% APR, but they require 640+ FICO, 24 months in business, and a debt-service coverage ratio of at least 1.25x — meaning your net operating income must cover all debt payments with room to spare. Approval takes 30–45 days. They're the right move for firms that want a permanent revolving facility, not a fix for this week's payroll.

A few thresholds that trip people up: lenders cap total monthly debt service at roughly 25% of gross monthly revenue, so a contractor doing $50,000/month in revenue can't comfortably carry more than ~$12,500 in monthly payments across all obligations. Lenders will pull 12 months of bank statements and model this against your actual deposit history — inconsistent deposits hurt more than a modest credit score.

For heavy equipment firms that need both liquidity and machinery at the same time, equipment financing for Irving contractors is often structured separately from working capital, since the collateral (the equipment itself) drives better rates than an unsecured working capital line.

Irving contractors working government or municipal contracts should note that receivables from those contracts are eligible for factoring just like private ones — and several specialty factors focus specifically on government-contract receivables. The Arlington corridor sees similar dynamics; the Arlington, TX contractor financing overview covers lenders active in that adjacent market who also serve Irving-based firms.

Solar installation contractors operating in Irving are increasingly running hybrid books — part construction, part service contract — and the working capital structure differs slightly; solar contractor working capital options in Irving addresses that specific cash-flow pattern if your work touches that sector.

If you're comparing Irving's market to other high-growth metros, the Albuquerque and Anaheim markets have similar lender pools; see Albuquerque contractor financing and Anaheim construction working capital for regional comparisons.