Construction and Contractors Business Line of Credit

Construction projects rarely move in a straight line. Materials spike in price, clients pay in stages, and crews still need to be paid on time. A dedicated construction and contractors business line of credit gives you flexible access to working capital so you can keep every project moving, from the first permit to final inspection.

Construction and Contractors Business Line of Credit

Our contractor credit programs are built for how the construction industry really works. Whether you need a line of credit for contractors to bridge slow-paying invoices or a line of credit for general contractor overhead, you can draw funds as needed and repay as your cash flow catches up. You only pay interest on what you use, which helps protect margins on every job.

Use your facility to cover payroll, materials, fuel, rentals, change orders, or last-minute inspections. If you are looking to get contractor credit line today so you can say “yes” to a new project without waiting on a bank, we can help structure a line of credit for contractor operations that fits your business size, trade, and project pipeline.

Minimum Requirements for Contractor Credit Line

To qualify for a construction and contractor business line of credit, you’ll generally need to meet the following criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Contractor Credit Solutions

Contractor Business Line of Credit

This core facility is designed for everyday needs like materials, fuel, insurance, and crew payroll. It’s a flexible line of credit for contractors who want ongoing access to working capital without reapplying for every project.

Contractor Merchant Cash Advance

For contractors with steady card or bank deposits, a merchant cash advance converts a portion of future receivables into quick funding. It works well when you need cash right away and want payments tied to your incoming revenue.

Revolving Credit for General Contractors

Built for larger firms juggling multiple jobs at once, this option functions as a line of credit for general contractor expenses such as subs, permits, and site costs. As invoices are paid, you can repay and draw again for new projects.

Collateral-Based Contractor Credit

If your business owns equipment, vehicles, or other assets, you may qualify for higher limits using those assets as security. This structure can reduce rates and provide a larger line of credit for contractor operations.

Credit Lines for Contractors with Challenged Credit

Even if your credit history isn’t perfect, you may still qualify for a smaller facility designed to help rebuild. These programs focus more on business performance and cash flow, giving you a way to get contractor credit line today and grow from there.

Contractor Credit Services

Construction businesses face tight timelines, changing scopes, and payment cycles that rarely match when bills are due. Our contractor credit services are designed to smooth that gap. Whether you manage a small specialty trade or a growing general contracting company, we help you access working capital quickly so you can focus on the job, not the funding.

Our application process is straightforward, with fast reviews and clear requirements. Once approved, you have a flexible credit limit you can tap for materials, labor, permits, insurance, and more. With transparent terms, competitive rates, and flexible repayment options, our goal is to keep your projects funded and your crews working.

Who We Serve

Frequently Asked Questions

What is the process for getting a contractor business line of credit?

The process is straightforward. You start by completing a short online application and sharing basic details about your company, revenue, and time in business. Our team reviews your information, may request recent bank statements or financials, and then sets a credit limit that fits your current project volume.

What are the repayment terms for a contractor line of credit?

Repayment is usually structured as monthly payments based on the amount you’ve drawn, not the full credit limit. As you pay the balance down, those funds become available to use again, so your construction and contractors business line of credit stays flexible for future projects.

Can I apply for a contractor line of credit if my credit score is low?

Yes, in many cases you can. Lenders may look at overall business performance, revenue, and time in business in addition to your personal credit score. You might start with a smaller limit and then grow your contractor credit line as you build history and make on-time payments.

What are the eligibility requirements for a construction and contractors business line of credit?

Typical requirements include meeting the minimum monthly revenue threshold, being in business for at least several months, and holding at least 51% ownership in the company. You’ll also need a valid U.S. FICO score and basic business documentation so the lender can verify your information and set an appropriate credit limit.

Construction and Contractors Business Line of Credit