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Revenue-based financing for construction & trades

Capital repaid as a fixed share of future revenue. Contractors use Credible Lending revenue-based financing to buy materials for a new contract or finance an excavator or work truck, with until the agreed total is repaid and same-day decisions.

Apply nowAbout revenue-based 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.

Revenue-based financing for contractors
Amount$10K – $2M
TermUntil the agreed total is repaid
SpeedSame-day decisions
PaymentsA percentage of revenue
Best forSeasonal and card-heavy businesses

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 revenue-based 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 revenue-based financing work?

  1. 1

    Connect your bank or processor so we can see revenue trends.

  2. 2

    Agree on an amount, a total repayment and a holdback percentage.

  3. 3

    Receive funds, usually within a day.

  4. 4

    Repay automatically as a share of revenue. Slow weeks mean smaller payments.

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 revenue-based 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.
How is revenue-based financing different from a loan?
Instead of fixed installments, you repay a set percentage of revenue until an agreed total is reached. Payment size moves with your sales.
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