Remodeling Contractor Loans — Bridge the Gap Between Milestones and Materials

Materials and Labor Go Out Before Milestones Come In

A kitchen remodel might have three payment milestones. You pay for cabinets, countertops, and labor on day one. The first draw doesn't arrive until rough framing is approved — weeks away. That gap comes out of your pocket.

Payment Delays Are the #1 Threat to Remodeling Businesses

Seventy percent of remodeling contractors cite payment delays as their biggest operational threat. Clients dispute change orders. Inspections cause delays. Draws arrive late. Meanwhile, subs and suppliers expect payment on schedule.

Running Multiple Jobs Means Multiple Cash Gaps at Once

A contractor running three simultaneous jobs might have $80,000 tied up in materials and payroll across all three, with milestone payments still weeks out on each. The more you grow, the more working capital the business demands.

ACH Funding

A lump sum based on your monthly revenue, repaid via fixed daily ACH debits. Ideal for funding a single large project — cover materials, subs, and payroll before the first milestone payment arrives.

Line of Credit

Revolving access to capital across simultaneous projects. Draw for materials on one job, pay it down when the milestone comes in, draw again for the next. Only pay on what you use.

Equipment Financing

Finance tile saws, flooring equipment, trailers, and tools with the equipment as collateral. Build capacity without pulling cash from active jobs.

01

Apply in 10 minutes

Basic business info and 3 months of bank statements. No tax returns required for most applicants.

02

Same-day decision

Most applications get a decision within a few hours. No waiting on a bank committee.

03

Funded in 24–48 hours

Money hits your account fast enough to order materials before your next project breaks ground.