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Compare · 2026

Working Capital vs Equipment Financing for Scaling

Growth needs both cash and machines. Here's which funding covers which.

$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

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🔒 Soft credit pull · will not affect your credit score

Short answer: Working capital funds the cash side of growth — payroll, materials, and mobilizing on more jobs. Equipment financing funds the machines, secured by the equipment itself. Scaling contractors use both: working capital to carry more work and equipment financing to add the machines to do it, keeping cash free.

Reviewed by the Siteline Capital Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

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

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

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

Working capital vs equipment financing

How the two options compare, in plain terms.

CriteriaWorking CapitalEquipment Financing
FundsPayroll, materials, jobsMachines & vehicles
Secured byNothing (revenue-based)The equipment
Best forCarrying more workAdding capacity
Speed24 hours1-3 days

Why growing contractors choose us

  • Built for multi-site and growing contractors
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Underwritten on deposits, not the contract
  • Structured to scale as you grow

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

Which do I need to scale, working capital or equipment financing?
Both — working capital carries the payroll and materials of more jobs; equipment financing adds the machines, secured by the equipment so your cash stays free.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

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Comparisons reflect typical 2026 industry structures for general information and vary by lender and underwriting; your actual terms are set at application. 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.

🏗️

Construction specialist

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

⚡

Funded in 24 hours

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

📊

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.

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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