Capital for heavy equipment, payroll, and progress-billing gaps — built for serious-volume contractors.
Tennessee's Nashville boom and Memphis healthcare hub make it a top destination in the South. Whether you're operating in Nashville, Memphis, and Knoxville or anywhere across Tennessee, we underwrite based on your business's revenue and trajectory — not your zip code.
Tennessee's economy is powered by healthcare, music and tourism, logistics, and a booming small-business scene.
We fund construction companies in Nashville, Memphis, Knoxville, and Chattanooga, and in communities of every size across Tennessee. Because ShopFunders is a funding facilitation service — not a bank — Tennessee owners are approved on the strength of their business’s revenue and trajectory, not collateral, a zip code, or a perfect credit score.
Many Tennessee business owners come to us after a traditional bank turns them away. Whether you need working capital for payroll and inventory, money for new equipment, or a cushion to get through a slow season, we move at your speed — decisions in 24 hours and funding in 24–72. Explore all construction companies funding →
Reviewed and updated May 2026 · Serving Tennessee and small businesses nationwide.
Built for Tennessee's construction & contracting operators who need capital that moves.
Submit before noon, get a decision by end of day. Most lenders take weeks — we commit to 24 hours.
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.
Tennessee 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.
"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!"
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 Tennessee business account.
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