Construction Working Capital · 2026

Construction Working Capital to Fund More Jobs & Bigger Projects

Capital for growing and multi-site contractors — carry more crews across more sites and take on bigger contracts, funded in as little as 24 hours.

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24hrFunding speed

500+Min FICO

$5MMax amount

Multi-siteBuilt for scale

What is working capital for contractors?

Working capital lets a growing contractor carry payroll and materials across multiple job sites and take on larger projects without a cash crunch. Siteline Capital approves on your total deposits (FICO 500+), not the contract, and funds $5,000 to $5,000,000 in as little as 24 hours, so a slow draw on one site never stalls the others.

How to get working capital in 4 steps

Apply in 5 minutes

Short online application with a soft credit pull that does not affect your score.

We review your revenue

Approval is based on your last 3 months of bank statements — not tax returns or the contract.

Get your offer

See your amount and terms up front, with any fees disclosed before you accept.

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

Types of working capital for contractors

The main ways contractors access working capital, and when each fits.

Option	How it works	Best for
Working capital / term loan	Lump sum, fixed payments	A planned, one-time need
Business line of credit	Revolving, draw as needed	Recurring gaps between draws
Revenue-based funding	Repay as a share of deposits	Seasonal or uneven cash flow
Merchant cash advance	Advance repaid from deposits	Fast cash, weaker credit
Equipment financing	Secured by the equipment	Trucks and machinery

Working Capital Calculator

Estimate your funding amount and payment. Move the slider to your average monthly revenue.

Average monthly revenue $50,000

$50,000Estimated funding

12 moTypical term

$4,896Est. monthly payment

Estimates only, for illustration. Real amounts and terms are set at underwriting.

Qualification requirements

US-based construction or contracting business
6+ months in business
~$30,000+ in monthly revenue
Last 3 months of business bank statements
Valid EIN and business bank account
FICO 500+ (approval weighted on revenue)

Rates, amounts & speed

Working capital through Siteline Capital runs from $5,000 to $5,000,000, priced on your revenue, time in business, and deposit health. It is underwritten on your deposits — not the contract — so it funds fast.

Most approvals fund within 24 hours. The application takes about 5 minutes with a soft credit pull.

Use the calculator above to estimate your amount and payment.

Contractor trades we fund

Multi-Site GCs

Cross-site capital so no location stalls the others.

Commercial Construction

Carry the up-front cost of larger contracts.

Heavy Civil

Fund crews and haul on long-timeline jobs.

Specialty Trades at Scale

Add crews to take on more work at once.

When contractors use working capital

Covering payroll between draws — Pay crews and subs on time when a progress draw is slow.
Buying materials up front — Stock materials for a job before it pays you.
Mobilizing on a new contract — Fund the start of a job before the first draw.
Bridging retainage — Cover the 5-10% held back until closeout.
Handling an equipment breakdown — Move fast on an urgent repair or replacement.

Frequently asked questions

Can I get funding across multiple job sites?

Yes — funding is based on your total revenue, so it supports crews and costs across all your active sites.

Can working capital help me take on bigger projects?

Yes — a working-capital cushion lets you carry a larger job's up-front costs, which is often what it takes to win and deliver.

How fast can a contractor get working capital?

Most contractors fund within 24 hours of approval; smaller amounts can be same-day.

Can I qualify with bad credit?

Yes — FICO 500+ can qualify because approval is weighted toward revenue and deposits, not credit score.

Do I need the contract to qualify?

No — approval is based on your bank deposits, not the awarded contract, which keeps it fast.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Figures, ranges, and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual amount and terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.