Framing Contractor Financing Nationwide for Framers, $10K to $5M
🪚 Financing Built for Framing ContractorsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Framing contractor financing funds the two pressures squeezing every framer: lumber and the GC. You buy huge lumber, truss and sheathing packages up front, and lumber is one of the most volatile commodities in construction, prices can swing thirty percent while you wait. Then, as a sub to the general contractor, you get paid on the GC’s draw schedule with retainage held to completion. I match you to lenders who fund the lumber buy, factor the slow GC pay-app, and cover crew payroll in between.
Framing Contractor Financing for Every Part of the Job
Whether you’re locking in a lumber package, carrying crews to the next draw, or waiting on a GC to release retainage, there’s a path built for it. Here’s what framing contractor financing commonly covers.
Lock the Lumber Package
Finance the lumber, truss and sheathing buy up front so a price spike never blows your bid, and you secure material before it climbs.
Factor the GC Pay-App
Turn slow progress invoices to the general contractor into cash now, instead of waiting on the GC draw and held retainage.
Crew Payroll Between Draws
Make payroll for your framing crews while you wait on the GC to release the next progress draw.
Trucks, Trailers and Equipment
Finance trucks, lifts, nail guns and the equipment a framing crew runs on, with the gear as collateral.
Line of Credit for Multiple Jobs
A revolving line to frame several jobs at once, draw for lumber and payroll, repay as each GC draw comes in.
Crews, Growth and Acquisition
Add framing crews to take on more GC work, fund a partner buy-in, or acquire another framing company.
A Framer Locked a Lumber Package Before a Price Spike and Protected His Bid
A framing contractor won a subdivision package from a GC, bid on lumber at the current price. But lumber was climbing fast, and if he waited for the first draw to buy material, a spike would erase his margin. He needed to lock the package now and carry crews until the GC paid, and the bank could not move at that speed or lend against a slow GC receivable.
They called me. I matched him to material financing to lock the lumber plus factoring on the GC pay-apps, so he bought the package at the bid price and got cash on each progress invoice instead of waiting on the draw and retainage. He protected his margin, kept the crews framing, and the financing repaid itself as the GC paid out.
That’s what the right match looks like for a framing contractor. Don’t Beg the Bank! Get funded instead.
How I Fund Framing Contractors, the Right Tool for Each Need
Framing contractor financing isn’t one product. The right structure depends on your lumber and your GC draws. I match you to the one that fits, tap any to explore it.
Working Capital
Lock the lumber package and carry crews between GC draws, the core framing cash gap.
See SBA 7(a)Invoice Factoring
Advance cash against slow GC pay-apps and retainage, underwritten on the general contractor’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 to frame several jobs at once, draw for lumber and payroll, repay as draws come in.
See line of creditEquipment Financing
Trucks, lifts and nail guns financed on their own collateral, keeping cash free for lumber.
See working capitalLine of Credit
Revolving capital to frame several jobs at once, draw only what you need.
See lines of creditQualifying for Framing Contractor Financing
Framing contractor financing is built around your GC contracts, not just your balance sheet. A signed framing package and a creditworthy general contractor on your pay-apps make a strong file, and a steady backlog of subdivision or commercial work proves you can carry it. So a framer with real GC contracts and decent credit has strong options, even when a bank balks at lumber swings and slow draws. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating framing business with signed GC contracts or a real backlog.
- ✔Signed GC contracts or a backlog, the foundation a framing lender wants.
- ✔Signed GC contracts and a backlog a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Lumber can be financed up front, so a price spike never blows your bid.
- →Factoring is underwritten on the general contractor’s credit, not just yours.
- →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 Framing 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 framing 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 Framing Contractor Financing From My Desk
A snapshot of the framing contractor financing I match to lenders nationwide, package by package. Every framing company and package is different, yours starts with a conversation.
Framing Contractor Financing · Lumber
A framer financed a subdivision lumber package up front to lock the bid price before lumber climbed.
GC Pay-App Factoring
A framing crew factored slow progress invoices from a general contractor to keep crews on payroll.
Trucks and Crews
A growing framer financed two trucks and a lift to add a crew and take on more GC work.
How I Match Framing Contractor Financing to the Right Lender
Most banks freeze on lumber volatility and a slow GC receivable, but the lenders who understand the trades read your contracts and your draw schedule correctly. I work with many, so I match your framing contractor financing to the lender that funds your real need, the lumber buy, the GC pay-app, payroll or equipment, and I review the options with you before you commit.
Here’s the reality for a framing contractor. Two forces squeeze you at once, and a bank understands neither. First, lumber. You buy huge lumber, truss and sheathing packages up front, and lumber is one of the most volatile commodities in construction, capable of swinging thirty percent in weeks, so if you bid a job and wait for the first draw to buy material, a spike can erase your margin. Second, you are almost always a sub to the general contractor, so you do not collect from the owner. You get paid on the GC’s draw schedule, with five to ten percent retainage held until the whole job closes out. That means you front lumber and crews now and wait on the GC later. A traditional bank cannot move at lumber speed and will not lend against a slow GC receivable, so it passes. The right lenders work differently: material financing lets you lock the lumber package at the bid price, and invoice factoring advances cash against your GC pay-apps, underwritten substantially on the general contractor’s credit rather than yours. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of working-capital, equipment and expansion financing.
The right structure depends on what you’re doing. Locking a lumber package usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. Trucks, lifts, nail guns and saws 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 GC packages and where the squeeze is, locking lumber, the slow pay-app or payroll between draws, and I’ll tell you honestly which framing contractor financing fits, match you to a lender who understands sub-to-GC work, 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 framing contractor financing?
How do I lock in a lumber package before prices spike?
How do I get paid faster when I sub to a GC?
Can I finance trucks, lifts and tools?
How much framing contractor financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Framers
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 lumber volatility and sub-to-GC pay-apps, and matching you to the right one, for material, factoring, working capital or 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 freeze at lumber prices and a slow GC receivable. I match you to framing contractor financing built for the trade … lock the lumber at the bid price, factor the slow GC pay-apps, carry crews between draws, 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 backlog performance, collateral and structure. Framing contractor financing generally ranges from $10,000 to $5 million depending on contracts and need. *Material financing 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 general contractor’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.