General Contractor Financing Nationwide for GCs and Builders, $10K to $5M
👷 Financing Built for General ContractorsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. General contractor financing solves the problem that breaks profitable GCs: you pay subs, labor and materials up front, then wait on a draw schedule while the owner holds 5 to 10% retainage until the job closes out. You can be profitable on paper and short on payroll Friday. I match you to lenders who fund the gap with working capital, lines of credit and factoring on your progress billings.
General Contractor Financing for Every Part of the Job Cycle
Whether you’re mobilizing on a new contract, carrying payroll between draws, or waiting on retainage, there’s a path built for it. Here’s what general contractor financing commonly covers.
Mobilization Funding
Cover the up-front cost of starting a new contract, materials, deposits and crew, before the first draw is released.
Payroll Between Draws
Make payroll and pay subs while you wait on a progress draw, the gap that strands profitable GCs.
Retainage and Pay-App Factoring
Turn AIA progress billings and held retainage into cash now instead of waiting until closeout.
Equipment and Vehicles
Finance the trucks, lifts and equipment a GC needs to self-perform and run multiple jobsites.
Line of Credit for Overlap
A revolving line for running several jobs at once, draw only what each project needs, when it needs it.
Bigger Bonded Jobs and Growth
Strengthen working capital to take on larger contracts, or acquire a competitor and grow the book.
A GC Won a Bigger Contract but Couldn’t Float Payroll Until the First Draw
A general contractor landed the biggest contract of his career, a strong, signed job with a solid owner. But mobilization meant fronting materials and three weeks of crew payroll before the first progress draw would release, and the bank wanted collateral and history he hadn’t built at that size yet.
They called me. I matched him to a working-capital line plus factoring on the progress billings, so mobilization was funded up front and each draw repaid the line as it came in. The crew got paid on time, the job stayed on schedule, and the contract that scared the bank became his most profitable year.
That’s what the right match looks like for a general contractor. Don’t Beg the Bank! Get funded instead.
How I Fund General Contractors, the Right Tool for Each Need
General contractor financing isn’t one product. The right structure depends on your cash-flow gap. I match you to the one that fits, tap any to explore it.
Working Capital
Fund mobilization and payroll between draws, the core gap on every job for a growing GC.
See SBA 7(a)Invoice Factoring
Advance cash against AIA pay apps and progress billings, underwritten on the owner’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 running several jobs at once, draw only what each project needs.
See line of creditEquipment Financing
Trucks, lifts and equipment financed with the gear as collateral, keeping cash free for jobs.
See working capitalLine of Credit
Revolving capital for running several jobs at once, draw only what you need.
See lines of creditQualifying for General Contractor Financing
General contractor financing is built around your jobs, not just your balance sheet. A signed contract and a creditworthy owner make a pay app fundable, and a steady backlog proves you can carry the work. So a GC with real contracts and decent credit has strong options, even when a bank balks at the cash-flow swings. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating GC business with signed contracts or a real backlog.
- ✔A signed contract or real backlog, the foundation a construction lender wants.
- ✔Signed contracts and a backlog a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Factoring is underwritten on the project owner’s credit, not just yours.
- →A working-capital line is sized to your backlog and draw schedule, not a fixed lump.
- →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 General 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 general 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 General Contractor Financing From My Desk
A snapshot of the general contractor financing I match to lenders nationwide, job by job. Every GC and job is different, yours starts with a conversation.
General Contractor Financing · Mobilization
A GC funded materials and three weeks of payroll on a big new contract before the first draw released.
Pay-App Factoring
A builder factored AIA progress billings to stop waiting 45 days and keep three jobsites staffed.
Line of Credit
A GC opened a revolving line to run four overlapping jobs and draw only what each project needed.
How I Match General Contractor Financing to the Right Lender
Most banks freeze on a GC’s cash-flow swings, but the lenders who understand construction read your backlog and your draw schedule correctly. I work with many, so I match your general contractor financing to the lender that funds your real gap, mobilization, payroll between draws, pay-app factoring or equipment, and I review the options with you before you commit.
Here’s the reality for a general contractor. You are the bank in the middle of every job. You pay subs, labor and materials on the front end, then collect on a draw schedule after the work is inspected and approved, and the owner holds 5 to 10% retainage until the whole job closes out, often months later. That structure means a GC can be booked solid and profitable on paper while payroll is due Friday and the cash is still tied up in pay apps and retainage. A traditional bank looks at the swings and the thin collateral and passes. The right lenders work differently: a working-capital line funds mobilization and bridges the draw gap, and invoice factoring advances cash against your AIA progress billings, underwritten substantially on the project owner’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. Payroll between draws usually runs through SBA 7(a) loan, and broader options live across the SBA loan programs. Trucks, lifts and self-perform equipment are best matched to equipment financing, where the gear 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 or a partner 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 backlog and your gap, mobilizing a new job, carrying payroll, or waiting on retainage, and I’ll tell you honestly which general contractor financing fits, match you to a lender who understands the draw cycle, 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 general contractor financing?
How do I make payroll while waiting on a draw?
Can I get cash against retainage and pay apps?
Can I finance trucks and equipment too?
How much general contractor financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Contractors
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 draw schedules, retainage and pay-app factoring, and matching you to the right one, for mobilization, working capital, factoring 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 on the cash-flow swings of a profitable GC. I match you to general contractor financing built for the draw cycle … fund mobilization and payroll between draws, factor your pay apps and retainage, finance the equipment, 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, backlog and job performance, collateral and structure. General contractor financing generally ranges from $10,000 to $5 million depending on backlog 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 project owner’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.