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Working capital loans for construction & trades

Short-term funding for payroll, rent, inventory and other everyday costs. Contractors use Credible Lending working capital loans to buy materials for a new contract or finance an excavator or work truck, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital loans
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.

Working capital loans for contractors
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

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 a working capital loan

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 a working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

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 a working capital loan?
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 fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
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