Capital for Chicago
contractors and trade subs.
From River North towers to O'Hare expansion, brownfield redevelopment to South Side mixed-use — Goliath funds Chicago contractors in 24 hours. AR-bridge, winter-cash-flow, and prevailing-wage payroll capital for trade subs and GCs across Cook County.
- 6+ months operating
- $15K+ monthly deposits
- 500+ credit score floor
- Same-day wires before 1 PM ET
Risk-free, no-commitment application. No hard credit pull to check options.
$10B+ deployed
Across 50 states
24-hour approvals
Most offers same-day
Direct lender
Not a broker
No upfront fees
Zero application cost
Capital that knows the Midwest build season.
Chicago is a brutal market for contractor cash flow. The build season is shorter than almost any other major US metro. Concrete pours and exterior work effectively shut down from January through February, and weather-driven schedule risk extends into March most years. Interior trades carry payroll through the quiet months on AR releases that run long. Cook County and City of Chicago prevailing-wage schedules push labor cost above private-market rates and force tight certified-payroll discipline. And the multi-tier draw approval cycle on a River North tower or a West Loop conversion stretches AR past 60 days on a routine basis.
Goliath has been funding Chicago contractors for fifteen years. Our underwriters know the December–February deposit dip, the spring build-season ramp, the O'Hare federal-aviation payment cadence, and the Cook County prevailing-wage labor structure. We don't ask Chicago contractors to explain why their February deposits look different from June — we already know.
The Chicago construction markets we fund
River North, West Loop, Fulton Market, and South Loop tower and mixed-use work generates ongoing demand for structural, MEP, glazing, and curtainwall subs across the downtown core. The O'Hare 21 expansion program drives federal-aviation-funded prevailing-wage work across site, MEP, finish, and specialty airport trades. Brownfield redevelopment across Pullman, Bronzeville, Garfield Park, and the broader South and West Sides generates environmental remediation, abatement, and structural retrofit work on layered public-private disbursement schedules. Cook County prevailing-wage public packages push steady demand for trade subs that can manage certified-payroll discipline. And outer-ring Schaumburg, Naperville, and Northwest Indiana industrial build-out adds tilt-up warehouse, logistics, and dock-equipment demand.
The Chicago winter-to-spring cash transition
The structural defining feature of Chicago contracting is the winter-to-spring cash transition. Deposits dip in late December, run thin through February, and reopen with the spring build season. We size working capital using the full trailing six months — including peak summer months — so the structure carries you through the dip rather than locking you out of spring bid season. Many of our Chicago clients draw a line in December and pay it down across the spring and summer.
What a typical Chicago contractor deal looks like
A West Loop MEP sub pulling $100,000–$300,000 against three open pay applications. An O'Hare program civil sub mobilizing on a $1.6M package with $120,000 in 24-hour working capital. A Pullman brownfield remediation contractor financing $80,000 of equipment and abatement payroll. A Cook County prevailing-wage trade group consolidating three existing advances into a single 18-month structure ahead of the spring bid wave. These are the deals we close most weeks across Chicagoland.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that knows the Midwest winter.
National lenders pricing Chicago contractors are working off spreadsheets that don't capture the December–February deposit dip, the Cook County prevailing-wage labor cost, or the O'Hare federal-aviation payment cadence. They flag the winter slowdown as risk. They down-rank brownfield subs because environmental remediation doesn't fit a standard project-type code. We underwrite Chicago contractors with people who know the difference between a winter cash pinch and a structural problem.
Chicago contractors with $80K–$150K monthly deposits routinely qualify for $150K to $300K in AR-bridge capital sized using the full year, not just a winter window. O'Hare program subs access bond-strengthening structures and Davis-Bacon-aware capital. Multi-unit Cook County trade groups consolidating stacked advances cut combined daily debits 40–60% on day one. No Midwest pricing penalty — just clean offers from a direct lender that has funded this market for fifteen years.
Questions worth answering.
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Your next chapter is one
application away.
Five minutes. No credit pull. No obligation. See what you qualify for and decide on your own terms.