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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Bridge Financing · 2026

Construction Bridge Financing — Cover the Gap Between Draws

Short-term capital to bridge the wait between progress draws, milestones, or project payouts — so work never stops while the money catches up.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Constructionspecialist
No collateralfor working capital

See how much your construction business qualifies for

$25K to $5M for construction businesses and trades — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Construction bridge financing is short-term capital that covers the gap between progress draws, milestones, or a project payout. You draw funds now to keep the job moving and repay when the draw or payment lands. It's underwritten on deposits, not the contract, accepts FICO 500+, and funds in as little as 24 hours.

When construction bridge funding fits

Common timing gaps bridge financing solves for contractors, through Siteline Capital.

GapWhat bridge funding doesSpeed
Between progress drawsKeeps payroll and materials moving24 hours
Awaiting milestone paymentFunds work up to the milestone24 hours
Retainage held backBridges cash held until closeout1–2 days
Project payout pendingCovers costs until the check clears1–2 days

Why contractors bridge with us

  • Short-term by design — repay when the draw lands
  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; based on revenue
  • Funds in as little as 24 hours
  • Keeps the job moving through timing gaps
  • Flexible payoff as the project pays

What you need to apply

  • US-based construction or contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What is construction bridge financing?
It's short-term capital that covers a temporary cash gap — like the wait between progress draws or a pending project payout — and is repaid once the expected money arrives.
How is it different from a line of credit?
A bridge is typically a one-time, short-term fix for a specific timing gap, while a line of credit is revolving capital you draw and reuse over time. Both are available.
Do I need the contract or draw schedule to qualify?
No. Approval is based on your bank deposits and revenue, not the contract, which keeps it fast.
How fast can I get bridge funds?
Most approvals fund within 24 hours; some cases take 1-2 days.
Can it cover retainage?
Yes. Bridge funding can cover cash tied up in retainage held until project closeout.

Bridge your next draw gap

Apply in 5 minutes with a soft credit pull. Keep the job moving while the money catches up.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Bridge financing is subject to approval and is not a contract- or bond-backed product. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose Siteline

Construction-specialist funding built around progress billing, retainage, and mobilization.

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Construction specialist

GCs, subs, and trades — HVAC, plumbing, electrical, concrete, roofing, excavation. We know how you get paid.

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Funded in 24 hours

Mobilize a project, cover retainage gaps, or make payroll — decision in as little as 4 hours.

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Approved on your revenue

500+ FICO accepted. Underwritten on your deposits and receivables, not just your credit.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your construction business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute