Capital for heavy equipment, payroll, and progress-billing gaps — built for serious-volume contractors. Available in all 50 states. Decisions in 24 hours.
Construction operators run on draws, retainage, and payroll that can't wait. ShopFunders funds equipment purchases, materials for new contracts, payroll between draws, and retainage bridges — sized to how progress billing actually pays out.
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Funding built around how draws, progress billing, and retainage actually pay out.
Construction Owners face the cost of heavy equipment, payroll between draws, and retainage that sits with the GC for months. Our funding is built for that — fast capital you can deploy for equipment purchases, payroll between draws, materials for new contracts, or bridging retainage.
Tell us about your construction business and how much capital you need. No credit check to apply.
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Sign your term sheet, send your bank statements, and capital lands in your business account.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
We fund construction businesses anywhere in the U.S. Pick your state to see local funding details, common use cases, and underwriting criteria.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$50K–$2M+/month · No collateral · Funds in 24–72 hrs