revenue-based funding for construction & contractors
Revenue-Based Funding for Construction & Contractors businesses. Built for construction & contractors cash flow.
Revenue-based funding uses your monthly business income, not your personal credit history, to determine how much capital you can access. If your register is ringing, your capital is waiting.
- Max funding
- $500K
- Term
- 3–18 months
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Is Revenue Funding the right fit for Construction & Contractors businesses?
Fast working capital to cover payroll and materials between project payments.
Last updated 2026-06-24
Why this fit
Common cash-flow gaps in construction & contractors. Revenue-Based Funding maps to the ones below.
These are the underwriting realities and operational pressures we see most often in this industry.
Payroll Before Payment
Your crew needs to get paid every Friday. Your client pays net-60. That gap is where businesses fail, unless you have the right capital partner.
Material Cost Upfront
Lumber, concrete, steel, suppliers want payment on delivery. You need capital to buy materials before the project generates revenue.
Bid Bond Requirements
Winning larger contracts requires proof of financial capacity. Working capital on hand makes the difference between bidding and sitting out.
Representative scenario
What a typical construction & contractors revenue-based funding looks like. Numbers below are illustrative.
Your actual offer depends on your bank statement history, time in business, credit profile, and existing debt.
Rates vary by applicant. Representative example only.
Seasonality
When in the year construction & contractors businesses tend to need this capital. Time the draw, not just the deal.
Winter slowdown (Dec–Feb)
Most outdoor trades see a 40–60% revenue drop during the December–February window. Plan a revolving line of credit or bridge capital in Q3 to cover payroll and equipment carrying costs through winter.
Spring ramp-up (Mar–May)
Project backlog jumps as weather improves. This is the period when contractors take on the most capital risk: material deposits, subcontractor down-payments, and expanded crews all hit before the first progress payment arrives.
Peak construction (Jun–Oct)
Five months of peak throughput generate 60–70% of annual revenue. Invoice factoring during this window keeps cash flowing when clients are on net-60.
Year-end close-out (Nov)
Clients rush to close projects before year-end. Short-term funding can bridge the last 30–45 days of the fiscal year when receivables are highest.
Qualification
What we look for in construction & contractors files. Underwriting, in plain language.
- Minimum 6 months operating as a licensed contractor
- $15,000+ monthly revenue
- 500+ personal credit score
- Active business bank account
- Valid contractor license (state-dependent)
Other ICG products for construction & contractors
Not the right fit? Here is what else works in your industry.
Common questions
Revenue-Based Funding for construction & contractors. Honest answers, no fine print games.
QDoes ICG fund sub-contractors or only GCs?
Both. Sub-contractors often qualify faster because their invoicing is more predictable. GCs with net-30/60 client terms are ideal candidates for invoice factoring.
QCan I use funding for a bid bond?
Yes. Short-term bridge capital is frequently used to demonstrate working capital on bid bonds. Discuss the exit strategy with your funding specialist during application.
QWhat documents do you need?
Typically 4 months of business bank statements, a signed contract or work order showing committed revenue, and your contractor license number. No tax returns required for the initial review.
QDo you fund union payroll?
Yes. Revenue-based funding is well-suited to weekly union payroll because daily debits align with your labor cash-out cadence.
QDoes applying affect my credit score?
No. We perform a soft credit inquiry during the initial review, which does not impact your credit score. A hard pull may occur only after you accept a funding offer.
QHow is the repayment amount determined?
Repayment is based on a percentage of your daily or weekly revenue. The exact amount is fixed at the time of funding so you always know what to expect.
QCan I pay off early?
Yes. Many of our revenue-based funding agreements allow early payoff with a discount on the remaining factor rate balance.
Revenue-Based Funding for other industries
Where else this works. One product, many verticals.
Ready when you are
Ready to fund your construction & contractors business? 24 hours to fund.
Quick application. Soft credit pull only. Real human review.