Remodeling Contractor Financing Nationwide for Remodelers, $10K to $5M
🔨 Financing Built for Remodeling ContractorsI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Remodeling contractor financing funds the gap that stalls residential jobs: the change order. You collect a deposit, then the homeowner adds scope or the demo uncovers surprises, and you have to buy material and pay the crew for that change before the homeowner approves and pays the bill. Multiply that across several jobs and cash gets tight fast. I match you to lenders who fund the change-order gap, the materials and the payroll, not a bank that wants two years of returns first.
Remodeling Contractor Financing for Every Part of the Job
Whether you’re carrying a change order, buying material before a draw, or running several remodels at once, there’s a path built for it. Here’s what remodeling contractor financing commonly covers.
Change-Order Gaps
Cover material and labor on added scope before the homeowner approves and pays the change-order invoice, so the job never stalls.
Material Before the Draw
Buy cabinets, fixtures, flooring and finish material up front, between draw payments, so suppliers are paid and crews keep working.
Line of Credit for Multiple Jobs
A revolving line to run several remodels at once, draw for each job’s material and payroll, repay as draws come in.
Trucks, Tools and Equipment
Finance work trucks, trailers and the tools a remodeling crew runs on, with the equipment as collateral.
Payroll Between Draws
Make payroll while you wait on a homeowner draw or a disputed change order to clear, so good crews stay on the job.
Growth, Showroom and Acquisition
Add crews and a design showroom to scale, fund a partner buy-in, or acquire another remodeling company.
A Remodeler’s Change Orders Outran His Cash on Three Jobs at Once
A remodeling contractor had three kitchen and bath jobs running at once, all going well, but every one had grown through change orders. He was fronting cabinets, tile and labor for the added scope while homeowners took their time approving and paying the extra invoices. The work was profitable, but the cash was all tied up mid-job, and the bank wanted collateral he did not have on hand.
They called me. I matched him to a working-capital line sized to his active jobs, so he could fund change-order material and payroll the moment scope grew, instead of stalling the job or floating it from savings. The remodels finished on schedule, the change orders all paid, and the line repaid itself as each draw cleared.
That’s what the right match looks like for a remodeling contractor. Don’t Beg the Bank! Get funded instead.
How I Fund Remodeling Contractors, the Right Tool for Each Need
Remodeling contractor financing isn’t one product. The right structure depends on your jobs and your draw schedule. I match you to the one that fits, tap any to explore it.
Working Capital
Fund change orders and carry payroll between draws, the core remodeling cash gap.
See SBA 7(a)Business Line of Credit
Revolving cash to run several remodels at once, draw for materials and payroll, repay as draws come in.
See line of creditSBA 504 and Real Estate
Own the yard or shop your business operates from with long-term, fixed-rate commercial real estate financing.
See SBA 504Equipment Financing
Work trucks, trailers and tools, financed with the equipment itself as collateral.
See equipment financingInvoice Factoring
Advances cash against invoices on builder and commercial remodel work, underwritten on their credit.
See working capitalLine of Credit
Revolving capital to run several remodels at once, draw only what you need.
See lines of creditQualifying for Remodeling Contractor Financing
Remodeling contractor financing is built around your active jobs, not just your balance sheet. Signed contracts, a backlog of booked remodels and steady draw income all prove you can carry and repay the work. So a remodeler with real jobs and decent credit has strong options, even when a bank balks at change-order swings and homeowner-paced draws. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating remodeling business with signed jobs or a real backlog.
- ✔Signed jobs or a real backlog, the foundation a remodeling lender wants.
- ✔Signed jobs and an active backlog a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →A working-capital line is sized to your active jobs, so change orders never stall you.
- →On builder and commercial remodels, 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 Remodeling 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 remodeling 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 Remodeling Contractor Financing From My Desk
A snapshot of the remodeling contractor financing I match to lenders nationwide, job by job. Every remodeling company and job is different, yours starts with a conversation.
Remodeling Contractor Financing · Change Orders
A remodeler opened a working-capital line to fund change-order material and payroll across three active jobs.
Material Line of Credit
A kitchen-and-bath remodeler financed cabinets and tile up front, between draws, to keep three jobs on schedule.
Trucks and Tools
A growing remodeling company financed two work trucks and a trailer to add a second crew.
How I Match Remodeling Contractor Financing to the Right Lender
Most banks see homeowner-paced draws and change-order swings and freeze, but the lenders who understand the trades read your backlog and your jobs correctly. I work with many, so I match your remodeling contractor financing to the lender that funds your real need, change orders, materials, payroll or equipment, and I review the options with you before you commit.
Here’s the reality for a remodeling contractor. Your cash gets squeezed in the middle of the job, not at the start. You collect a deposit and draw on a schedule, but remodels grow, the homeowner adds scope, or demo opens a wall and reveals work nobody planned for. Either way you have to buy material and pay the crew for that change now, while the homeowner takes their time approving and paying the change-order invoice. Because your payer is a homeowner rather than an institution, payment is slower and more likely to be disputed, and running several jobs at once multiplies the gap. A traditional bank looks at that and the thin collateral and passes. The right lenders work differently: a working-capital line sized to your active jobs funds the change orders and the material between draws, and on builder or commercial remodels, invoice factoring advances cash against those receivables, 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 working-capital, equipment and expansion financing.
The right structure depends on what you’re doing. Change-order gaps usually run through SBA 7(a) loan, and broader options live across the SBA loan programs. Work trucks, trailers and tools 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 how many jobs you run and where the squeeze is, change orders, material or payroll between draws, and I’ll tell you honestly which remodeling contractor financing fits, match you to a lender who understands the trade, 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 remodeling contractor financing?
How do I fund change orders before the homeowner pays?
How do I buy material between homeowner draws?
Can I finance work trucks and tools?
How much remodeling contractor financing can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Remodelers
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 change orders, homeowner draws and residential cash swings, and matching you to the right one, for change orders, materials, 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 a change order a homeowner hasn’t paid yet. I match you to remodeling contractor financing built for the trade … fund the change orders, carry material between draws, make payroll while homeowners pay, 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, active-job and backlog performance, collateral and structure. Remodeling contractor financing generally ranges from $10,000 to $5 million depending on active jobs 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 builder’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.