Working capital, built for construction contractor

Cover materials and payroll before the draw lands

Materials and payroll are due now; the progress draw lands in three weeks, and the GC still has to sign off.

We expect draw-based, lumpy cash flow and review on your deposit history across months, not a single billing cycle.

Draw schedules understood
GCs and subs welcome
Materials-before-payment is the norm

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Draw schedules understoodGCs and subs welcomeMaterials-before-payment is the norm

Sound familiar?

The work's done. The draw's still three weeks out.

Most contractors don't go looking for capital — they just float it: out of pocket, out of the next draw, out of the supply house's patience.

Materials and payroll are due now, but the progress draw is three weeks out and the GC still has to sign off.

With capital in place, you cover materials and crews now and let the draw catch up on its own schedule instead of yours.

A machine goes down mid-job, and renting a replacement eats the margin you bid the work on.

With working capital ready, you repair or rent immediately and keep the job on schedule instead of watching the timeline slip.

A bigger contract is yours if you want it, but mobilization and upfront materials would drain the jobs you're already running.

With funding behind you, you take the larger job without starving the work already paying the bills.

You may qualify on your deposit history across jobs, draw gaps included. No obligation, and any payments are built to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly deposits across recent jobs. Four questions for a live range and readiness. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What construction contractor owners use working capital for

Materials upfront

Buy materials before a draw or final payment comes in.

Payroll between draws

Keep crews working while you wait on progress billing.

Equipment

Purchase or repair equipment to keep projects on schedule.

Mobilization costs

Cover mobilization and upfront costs to start a new job.

Take a larger project

Say yes to a bigger contract with capital ready to go.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Draw-based deposits

Deposit history across draws and jobs, not a single billing cycle.

Work mix

The balance of GC versus subcontractor revenue and signed backlog.

Gaps vs NSFs

Gaps between draws are expected; frequent NSFs get a closer look.

We account for progress billing and draw schedules common in construction.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time in business: 6+ months of jobs
Time in business: Brand new / under 3 months
Monthly deposits: Draws/completions landing steadily
Monthly deposits: One job, no history
Bank activity: Recovers between draws
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

My income is lumpy between draws — does that matter?

Lumpy cash flow is normal in construction. Underwriting looks at your deposit history over several months, so a gap between draws doesn't automatically work against you.

Can I use funds to take on a bigger contract?

Yes — mobilization, materials, and payroll for a larger job are common uses. Amounts depend on underwriting and your deposit history.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.