Business loans for contractors
when the draw is late.

Contracting is a working-capital business pretending to be a margin business. You bid the job at 18%, win it at 14%, mobilize at negative cash, wait sixty days for the first pay app to clear, and then chase retainage for another year. The companies that grow inside this model aren't the ones with the lowest bid — they're the ones with the deepest pocket between contract signing and final payment. We exist to extend that pocket.

The conventional answer to contractor cash flow is a bank line of credit secured by receivables. That works beautifully for the contractors who can get one. Everyone else — newer firms, contractors growing too fast, contractors with one bad year on the books, contractors whose receivables are concentrated in one GC the bank doesn't love — needs another path. Goliath underwrites from cash flow and operating history rather than from receivables pledge, which means we fund contractors that banks decline and we fund them in days rather than months.

What we fund inside a contracting business

Mobilization on newly awarded work: material deposits, permit and impact fees, bonding premiums, equipment moves, and labor onboarding before pay app one. AR-bridge against slow-paying GCs and owners: short-term advances sized to the receivable that retire when the draw arrives. Equipment buys: skid steers, excavators, lifts, generators, trailers, work trucks, tooling — funded against business cash flow rather than against the asset, which keeps title clean and resale uncomplicated. Payroll bridges through the gap between job end and the next mobilization. Buyouts of departing partners and key-employee equity. Bid-bond and performance-bond collateral. Tax payment plans, vendor payoffs, and emergency repairs to equipment that the job can't proceed without.

The thread underneath every one of these is timing. Contractors don't lose money on jobs as often as they run out of cash before the job pays out. Our role is to compress the gap between cost incurred and cash received, so you can bid the next job confidently and staff the current one fully.

What we don't ask for

We don't pull hard credit during pre-qualification. We don't require AIA documentation or signed change orders. We don't notify your GC, your owner, or your bonding company. We don't file UCCs against specific projects on advances under $250K. We don't require tax returns, financial statements, or a letter from your accountant. We underwrite from operating bank statements, time in business, and the texture of your job mix — the variables that actually predict repayment.

A contractor's bank statements tell a story most underwriting algorithms can't read. Deposits arrive in irregular six-figure chunks tied to pay apps. Outflows spike when material orders hit and again when payroll runs. Months of low deposit activity can sit beside months of explosive volume, and both can be perfectly healthy. Generic underwriting models flag every one of these signatures as risk. Our underwriters do the opposite — they look for the rhythm beneath the noise, the consistency of GC relationships beneath the volatility of timing, and the operational discipline beneath the cash compression.

The strongest contractor files share a few characteristics: a recurring set of pay-app deposits from two or more GCs or owners, payroll outflows that scale predictably with revenue, vendor payments that show a working relationship rather than a series of one-offs, and an NSF count that stays in the low single digits even during heavy mobilization. We can fund through messier files too — they just price differently and may require slightly more documentation. The point is we don't decline a contractor for looking like a contractor.

Contractor segments we fund every week

General contractors from $1M to $50M annual revenue running commercial, public, multifamily, or mixed portfolios. Mechanical, electrical, and plumbing subs working as primes and as second-tier subs. Site work and excavation contractors with heavy equipment overhead. Concrete and structural framers running multiple crews. Specialty trades including drywall, painting, roofing, glazing, fire protection, and low-voltage. Custom-home builders and design-build firms in residential markets. Solar and energy retrofit contractors operating in incentive-driven markets. Disaster restoration and insurance-reconstruction contractors bridging settlement timelines.

Common contractor funding scenarios

A GC tells you the next draw is delayed two weeks and payroll runs Friday. We've wired bridge capital inside 24 hours so the crew shows up Monday. A material supplier offers a 7% discount for upfront payment on a $400K order. We fund the arbitrage and you keep the spread. A bid bond requires 10% collateral on a $3M public project and your surety wants cash, not letters. We fund the collateral and you win the work. A retiring partner wants a buyout that totals $700K and your bank wants two years of audited financials. We fund the buyout in a week against operating cash flow.

The constant under all of it: capital that arrives in days, sized to a specific opportunity, structured around the way contractors actually receive money. That is the product. Not a loan — a piece of working infrastructure for a business that runs on timing.