Painting Contractor Financing Nationwide for Painters, $10K to $5M
🎨 Financing Built for Painting ContractorsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Painting contractor financing funds the squeeze that’s unique to a people business: your money goes to crews, not material, and on commercial and repaint jobs you carry weeks of payroll before you can bill. Your property-management and commercial accounts pay on net-30 or net-60 terms, so the work is steady but the cash lags. Banks see almost nothing to collateralize and pass. I match you to lenders who fund payroll, working capital and the slow commercial invoices.
Painting Contractor Financing for Every Part of the Business
Whether you’re carrying payroll on a big commercial job, bridging net-60 property-management terms, or adding a crew, there’s a path built for it. Here’s what painting contractor financing commonly covers.
Crew Payroll on Big Jobs
Carry weeks of crew payroll on large commercial and repaint contracts before you can bill, so a big job never strains your cash.
Factor Slow Commercial Invoices
Turn net-30 and net-60 invoices from property managers, GCs and commercial clients into cash now, underwritten on their credit.
Line of Credit for Steady Work
A revolving line to fund payroll and paint across a steady book of jobs, draw and repay as invoices clear.
Sprayers, Lifts and Trucks
Finance airless sprayers, scaffolding, lifts and work trucks, the light equipment a crew needs, with the gear as collateral.
Working Capital for Growth
Bridge the gap between paying crews and getting paid so you can take on more jobs and bigger contracts.
Crews, Branches and Acquisition
Add crews and a second branch to scale, fund a partner buy-in, or acquire another painting company and its accounts.
A Painter Won a Big Property-Management Contract but Had to Float Two Months of Payroll
A painting contractor landed a recurring contract with a large property-management company, steady, profitable work across dozens of units. The catch: the PM paid net-60, so he had to cover two months of crew payroll before the first invoice cleared. The bank had nothing to lend against, no inventory, no heavy equipment, and waved him off.
They called me. I matched him to factoring on the property-management invoices plus a working-capital line, so he got cash on each invoice instead of waiting 60 days, and the line covered payroll between billings. He kept the crews paid, held the contract, and the financing repaid itself as the PM paid out.
That’s what the right match looks like for a painting contractor. Don’t Beg the Bank! Get funded instead.
How I Fund Painting Contractors, the Right Tool for Each Need
Painting contractor financing isn’t one product. The right structure depends on your payroll and your billing. I match you to the one that fits, tap any to explore it.
Working Capital
Carry crew payroll on big jobs and bridge net terms, the core painting cash gap.
See SBA 7(a)Invoice Factoring
Advance cash against slow property-management, GC and commercial invoices, underwritten on the payer’s credit.
See invoice factoringSBA 504 and Real Estate
Own the yard or shop your business operates from with long-term, fixed-rate commercial real estate financing.
See SBA 504Business Line of Credit
Revolving cash for payroll and paint across a steady book of jobs, draw only what you need.
See line of creditEquipment Financing
Sprayers, lifts and trucks financed on their own collateral, keeping cash free for payroll.
See working capitalLine of Credit
Revolving capital for payroll across a steady book of jobs, draw only what you need.
See lines of creditQualifying for Painting Contractor Financing
Painting contractor financing is built around your contracts and your receivables, not hard collateral, which is exactly why banks struggle with it. A signed commercial or property-management contract and a creditworthy customer on your invoices make a strong file, even with little equipment to pledge. So a painter with steady accounts and decent credit has real options, even after a bank said no. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating painting business with commercial, repaint or PM accounts.
- ✔Steady contracts and good accounts, the foundation a painting lender wants.
- ✔Signed commercial or PM contracts a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Factoring funds you on the invoice itself, so no hard collateral is needed.
- →A working-capital line is sized to your contracts, not a pile of equipment.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Painting Contractor Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your painting contractor financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Painting Contractor Financing From My Desk
A snapshot of the painting contractor financing I match to lenders nationwide, crew by crew. Every painting company and contract is different, yours starts with a conversation.
Painting Contractor Financing · Factoring
A painter factored net-60 property-management invoices and added a working-capital line to float crew payroll.
Payroll Line of Credit
A commercial painting company opened a line to carry two crews through a large repaint before billing.
Sprayers and a Lift
A growing crew financed airless sprayers and a boom lift to take on taller commercial work.
How I Match Painting Contractor Financing to the Right Lender
Most banks want hard collateral and a painting business has little to pledge, so they pass, but the lenders who understand the trades fund against your contracts and receivables instead. I work with many, so I match your painting contractor financing to the lender that funds your real need, payroll, the net-term bridge, factoring or light equipment, and I review the options with you before you commit.
Here’s the reality for a painting contractor. You run a people business, not a material business. Your single biggest cost is crew payroll, due every week, while material and equipment are minor by comparison. On bigger commercial and repaint jobs you carry weeks of labor before you can bill, and your best accounts, property managers, GCs and commercial clients, pay on net-30 or net-60 terms. So the work is steady and profitable, but the cash always lags the payroll. The problem with a traditional bank is there’s almost nothing to collateralize, no inventory, no heavy iron, so it sees a thin balance sheet and passes. The right lenders work differently: invoice factoring advances cash against those slow commercial and property-management invoices, underwritten substantially on the payer’s credit, and a working-capital line covers payroll between billings. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of working-capital and expansion financing.
The right structure depends on what you’re doing. Crew payroll usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. Sprayers, lifts, scaffolding and work trucks are best matched to equipment financing, where the equipment is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Buying out a competitor points to SBA 7(a) financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me about your mix of residential and commercial work and where the squeeze is, payroll, net terms or growth, and I’ll tell you honestly which painting contractor financing fits, match you to a lender who understands a labor-based business, and stay with you through closing. Other trades, see my construction business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is painting contractor financing?
Can I get financing if I have little equipment to pledge?
How do I cover payroll on net-60 commercial work?
Can I finance sprayers, lifts and trucks?
How much painting contractor financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Painters
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Construction lending has its own specialist lenders who fund labor-based businesses against contracts and receivables rather than hard collateral, and matching you to the right one, for payroll, working capital, factoring or light equipment, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll pass on a painter because there’s nothing to collateralize. I match you to painting contractor financing built for a people business … carry crew payroll, factor the slow commercial invoices, bridge net-60 terms, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, contract and receivable performance, collateral and structure. Painting contractor financing generally ranges from $10,000 to $5 million depending on contracts and need. *Working capital and factoring are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqfactoring underwritten substantially on the property manager’s or commercial customer’s credit rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.