Business funding for construction businesses.
Capital for heavy equipment, payroll, and progress-billing gaps — built for serious-volume contractors. Available in all 50 states. Decisions in 24 hours.
Built for construction businesses. Built for speed.
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.
Decisions in 24 hours
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
No collateral, no PG
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Industry-specific structures
Funding built around how draws, progress billing, and retainage actually pay out.
Capital that solves real construction business problems.
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.
Three steps. Zero runaround.
Apply in 2 minutes
Tell us about your construction business and how much capital you need. No credit check to apply.
Decision in 24 hours
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Funded in 24–72 hours
Sign your term sheet, send your bank statements, and capital lands in your business account.
Real owners. Real reviews.
"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!"
Construction & Contracting funding FAQ.
Do you fund GCs and subs?
Can I use this for heavy equipment?
How does this work with retainage?
What's the minimum monthly revenue?
Construction & Contracting funding in all 50 states.
We fund construction businesses anywhere in the U.S. Pick your state to see local funding details, common use cases, and underwriting criteria.
Capital that moves at your speed.
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
How construction business funding actually works
Construction cash flow runs on other people's schedules: you front materials and labor, bill against progress, then wait on draws, inspections, and retainage that can hold 5–10% of every job for months. Winning more work multiplies the money you have to float.
Working capital buys materials and makes payroll between draws; receivable funding advances against approved pay applications so a GC's payment calendar never caps your crew count. Both are sized to your monthly revenue and repay as jobs fund.
What contractors qualify for
Most contractors qualify for $10,000 to $2,000,000 based on monthly revenue — typically 3+ months in business and roughly $10,000+ per month. Recent business bank statements are all it takes to start, decisions arrive in about 24 hours, and funds typically land within 24–72 hours of accepting.