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.
Industries · Construction & Contractors
Contractor & Construction Business Loans. Fund the job before the job funds you.
Fund payroll, materials, and bid bonds. Funding forgeneral contractors and construction companies. 500+ FICO accepted. 24-hour funding.
At a glance
What financing is available for construction companies and contractors?
Fund payroll, materials, and bid bonds. Funding forgeneral contractors and construction companies. 500+ FICO accepted. 24-hour funding.
- Funding speed
- 24 Hours
- Min FICO
- 500+
- Min revenue
- $15K/mo
Last updated 2026-06-24
Why we fund construction & contractors
We underwrite the rhythm, not the label.
The numbers below are the playbook ICG runs against construction & contractors every week. Cash flow patterns, repayment tolerance, and seasonality are read from your bank activity, not assumed from your category code.
24 hr
Typical funding speed
500+
FICO floor
$15K+
Monthly revenue minimum
No docs
Required to start an application
Every approval comes from a person, not a policy engine. An underwriter who has read hundreds of construction & contractors bank files looks at yours and answers the same business day.
Common funding uses
What capital is actually for in construction & contractors.
The scenarios below are the recurring reasons ICG funds this vertical. If your situation looks like one of these, the underwriting playbook is already written.
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.
Products mapped to this industry
Eligibility for construction & contractors
The bar is short. And it is the whole bar.
No upsells, no surprise documents. Meet the criteria below and the application is built for you.
- 01
Minimum 6 months operating as a licensed contractor
- 02
$15,000+ monthly revenue
- 03
500+ personal credit score
- 04
Active business bank account
- 05
Valid contractor license (state-dependent)
Seasonality
What normal looks like across the year.
ICG underwriting is calibrated to these rhythms. Slow months are not red flags. They are part of the model.
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.
Get funded in your city
Construction & Contractors funding near you.
- Brooklyn →
- Manhattan →
- Queens →
- The Bronx →
- Staten Island →
- Long Island →
- Westchester County →
- Buffalo →
- Rochester →
- Albany →
- Los Angeles →
- San Francisco →
- San Jose →
- San Diego →
- Sacramento →
- Orange County →
- Fresno →
- Bakersfield →
- Houston →
- Dallas →
- Fort Worth →
- Austin →
- San Antonio →
- El Paso →
- Corpus Christi →
- Miami →
- Tampa →
- Orlando →
- Jacksonville →
- Fort Lauderdale →
- West Palm Beach →
- Tallahassee →
Questions, answered
Real questions from construction & contractors operators answered straight.
Does 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.
Can 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.
What 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.
Do 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.
Ready when you are
Get construction & contractors funding in 24 hours.
Soft credit pull. Same business day answer. One dedicated ICG team from application to wire.