Equipment and asset-backed financing for contractors.
General contractors, site-work crews, and specialty builders run on iron and on draws that land late. We arrange equipment financing, cash-out on paid-off equipment, and asset-backed lines built for construction. Serving contractors nationwide.
We know how construction businesses really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Equipment Financing
Get the equipment. Keep your cash.
See terms & details →Equipment Sale-Leaseback & Cash-Out
Turn paid-off equipment into working capital.
See terms & details →Asset-Based Lending
Borrow against what your business owns.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeThe job needs another excavator before the draw clears.
The fair fixEquipment financing — application-only on smaller tickets, new or used.
The squeezeYour yard is full of paid-off equipment but the bank account is thin.
The fair fixSale-leaseback cash-out on free-and-clear equipment you keep using.
The squeezeRetainage and slow pay squeeze every growing contractor.
The fair fixAsset-backed lines secured by equipment, receivables, or property.
What contractors use it for
Put the capital where it moves the needle most.
Excavators, loaders & skid steers
Dump & vocational trucks
Cash-out on paid-off equipment
Mobilizing for a new contract
Buying your yard or shop
Refinancing short-term debt
What it takes to qualify
Most deals here are secured by equipment, trucks, receivables, or property — but if you need cash-flow financing, that path qualifies differently.
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your construction business?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
