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Invoice financing for construction & trades

Get up to 90% of your unpaid invoices now. Contractors use Credible Lending invoice financing to buy materials for a new contract or finance an excavator or work truck, with settled when your customer pays and advances within 24 hours.

Apply nowAbout invoice financing
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Invoice financing for contractors
AmountUp to 90% of invoice value
TermSettled when your customer pays
SpeedAdvances within 24 hours
PaymentsSettled from invoice payment
Best forB2B businesses with slow-paying customers

Common uses in construction & trades

  • Buy materials for a new contract
  • Finance an excavator or work truck
  • Cover payroll between draws
  • Bid on a larger project

Why contractors choose invoice financing

You front the costs

Materials and payroll go out weeks before the progress payment comes in.

Equipment is the business

Excavators, lifts and trucks can be financed against the equipment itself.

Bigger bids need capacity

Access to capital lets you bid on the job instead of passing on it.

How does invoice financing work?

  1. 1

    Submit open invoices from creditworthy business customers.

  2. 2

    Receive an advance of up to 90% of their value.

  3. 3

    Your customer pays as usual.

  4. 4

    You receive the balance, minus a transparent fee.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for contractors

Questions, answered

Something else on your mind? Ask an advisor.

Can contractors qualify for invoice financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review construction & trades financials with the industry's cash-flow patterns in mind.
Will my customers know I'm using invoice financing?
It depends on the structure. Ask your advisor about options where you continue to collect payments directly.
Can contractors get financing against invoices?
Yes. Invoice financing can advance up to 90% of open invoices to creditworthy customers.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor