Countertop Contractor Financing Nationwide for Stone and Quartz Fabricators, $10K to $5M
🪨 Financing Built for Countertop ContractorsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Countertop contractor financing funds the asset that defines your business: the slab. Natural stone and quartz run into thousands per slab, they’re fragile, and you have to carry a slab yard customers can see and fabricate from, all cash tied up before a single counter is installed. Add the CNC, waterjet, bridge saw and polishers and the capital adds up fast. I match you to lenders who finance the slab inventory, the cutting equipment and the working capital between template and install.
Countertop Contractor Financing for Every Part of the Shop
Whether you’re stocking a slab yard, buying a CNC or waterjet, or carrying jobs from template to install, there’s a path built for it. Here’s what countertop contractor financing commonly covers.
Slab Inventory
Finance the granite, quartz and marble slabs you stock to show customers and fabricate from, big-ticket assets that tie up cash before install.
CNC, Waterjet and Saws
Finance CNC machines, waterjets, bridge saws, edge polishers and lifts, the fabrication equipment a stone shop runs on, with the gear as collateral.
Working Capital Between Template and Install
Carry material and payroll from template through fabrication to install, before the counter is billed and paid.
Factor Builder and Kitchen-Shop Invoices
Turn slow invoices from builders, kitchen dealers and GCs into cash now, underwritten on the customer’s credit.
Shop, Yard and Build-Out
Own or expand your shop and slab yard, add fabrication bays, cranes and the heavy floor a stone operation needs.
Growth, Showroom and Acquisition
Add a showroom or a second CNC to scale, fund a partner buy-in, or acquire another countertop shop and its slab inventory.
A Countertop Shop Stocked a Full Slab Yard and Stopped Losing Jobs to Lead Times
A countertop fabricator kept losing jobs because it had to special-order slabs for each project, adding weeks to every quote. Stocking a full slab yard, dozens of granite and quartz slabs running thousands of dollars each, would let it close on the spot. But that inventory was a major cash outlay, and the bank would not lend against fragile stone it did not understand.
They called me. I matched the shop to inventory financing for the slab yard plus a working-capital line, so it stocked a full selection and carried jobs from template to install. Customers could pick a slab and close the same day, the shop stopped losing jobs to lead times, and the financing repaid itself as the higher volume came through.
That’s what the right match looks like for a countertop contractor. Don’t Beg the Bank! Get funded instead.
How I Fund Countertop Contractors, the Right Tool for Each Need
Countertop contractor financing isn’t one product. The right structure depends on your slab inventory, equipment and jobs. I match you to the one that fits, tap any to explore it.
Equipment Financing
CNC machines, waterjets, bridge saws and polishers, financed with the fabrication equipment as collateral.
See SBA 7(a)Working Capital
Fund slab inventory and carry payroll from template to install, the core countertop cash gap.
See working capitalSBA 504 and Real Estate
Own the shop and slab yard your business operates from with long-term, fixed-rate commercial real estate financing.
See SBA 504Invoice Factoring
Advance cash against slow builder, kitchen-dealer and GC invoices, underwritten on the customer’s credit.
See invoice factoringWorking Capital
A line of credit funds slab inventory and a steady flow of jobs, draw only what you need.
See working capitalLine of Credit
Revolving capital for slab inventory and a steady flow of jobs, draw only what you need.
See lines of creditQualifying for Countertop Contractor Financing
Countertop contractor financing has real anchors: the CNC and saws hold resale value as collateral, slab inventory is a real asset, and a backlog of signed countertop jobs proves the material turns into paid work. So a stone shop with equipment to finance, inventory and decent credit has strong options, even when a bank does not understand a slab yard. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating countertop or stone shop with equipment or a booked backlog.
- ✔Equipment, slab inventory and a backlog, the foundation a countertop lender wants.
- ✔Equipment and inventory plus a booked backlog a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Fabrication equipment is financed with the gear as collateral, so approvals are strong.
- →On builder and dealer work, factoring is underwritten on the customer’s credit.
- →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 Countertop 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 countertop 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 Countertop Contractor Financing From My Desk
A snapshot of the countertop contractor financing I match to lenders nationwide, shop by shop. Every countertop shop and job is different, yours starts with a conversation.
Countertop Contractor Financing · Slabs
A fabricator financed a full slab yard and a working-capital line to close jobs on the spot and stop losing them to lead times.
CNC and Waterjet
A stone shop financed a CNC and waterjet to speed fabrication and take on higher-volume builder work.
Builder Invoice Factoring
A countertop company factored slow GC and kitchen-dealer invoices to carry payroll between template and install.
How I Match Countertop Contractor Financing to the Right Lender
Most banks do not know how to value a slab yard or fragile stone inventory and freeze, but the lenders who understand the trades read your equipment, your inventory and your backlog correctly. I work with many, so I match your countertop contractor financing to the lender that funds your real need, the slab inventory, the CNC and saws, working capital or factoring, and I review the options with you before you commit.
Here’s the reality for a countertop contractor. One asset defines your cash position: the slab. Granite, quartz and marble slabs run into thousands of dollars each, they’re fragile enough that a single crack is a total loss, and to win jobs you have to carry a slab yard customers can walk and pick from. That’s a major cash outlay sitting in inventory before a single counter is templated, let alone installed. On top of that you run a real fabrication shop, CNC machines, waterjets, bridge saws and edge polishers, so the equipment bill is heavy too. A traditional bank looks at fragile stone it can’t easily value and the capital tied up and passes. The right lenders work differently: inventory financing funds the slab yard, equipment financing puts the CNC and saws on their own collateral since they hold strong resale value, and a working-capital line carries each job from template through fabrication to install. On builder and dealer work, invoice factoring advances cash against the receivable, underwritten substantially on the customer’s credit rather than yours. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of equipment, working-capital and expansion financing.
The right structure depends on what you’re doing. Slab inventory usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. CNC machines, waterjets, bridge saws and polishers are best matched to equipment financing, where the machinery 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 shop and where the squeeze is, stocking the slab yard, a new CNC, or carrying jobs to install, and I’ll tell you honestly which countertop contractor financing fits, match you to a lender who understands a stone shop, 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 countertop contractor financing?
How do I finance slab inventory?
How do I finance a CNC, waterjet or bridge saw?
How do I carry payroll from template to install?
How much countertop contractor financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Countertop Shops
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 understand slab inventory and stone-fabrication equipment, and matching you to the right one, for inventory, the CNC and saws, working capital or factoring, 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 freeze at a yard full of fragile, high-value stone. I match you to countertop contractor financing built for a stone shop … stock the slab yard, finance the CNC on its own collateral, carry jobs from template to install, 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, equipment and inventory performance, collateral and structure. Countertop contractor financing generally ranges from $10,000 to $5 million depending on equipment and need. *Equipment financing and inventory financing 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 builder’s or dealer’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.