Working Capital
Financing for everyday business needs, with the underlying structure matched to the use of funds and operating situation.
Common Uses
- Project mobilization
- Payroll and materials
- Operating cash-flow timing
Funding Options
Business Financing Options for Contractors
Explore financing for equipment, working capital, business acquisitions, commercial property, unpaid invoices, and more. Understand how the options differ and which structures may fit your business.
Explore Our Financing Options
From everyday operating needs to major business investments, different financing structures serve different purposes. Explore the options below to understand where each can fit.
Business Acquisition Financing
Financing for purchasing an established business, acquiring a competitor, or completing a qualifying ownership buyout.
Common Uses
- Buying a competitor
- Business succession purchases
- Partner buyouts
Commercial Real Estate Financing
Financing for purchasing, constructing, improving, or refinancing qualifying property used by your operating business.
Common Uses
- Warehouses and yards
- Larger operating facilities
- Property construction or improvements
SBA Financing
SBA loan programs can support eligible business acquisitions, owner-occupied commercial real estate, equipment, expansion, and other qualifying business needs.
Common Uses
- Business expansion
- Business acquisitions
- Owner-occupied property
Business Line of Credit
Revolving access to capital for recurring job costs, operating needs, and periods when cash requirements fluctuate.
Common Uses
- Materials and payroll
- Overlapping projects
- Recurring cash-flow gaps
Equipment Financing
Financing for vehicles, machinery, tools, and other equipment used to operate or expand a contracting business.
Common Uses
- Work trucks and fleets
- Heavy machinery
- Specialized equipment
Invoice Financing
Financing or factoring arrangements that can provide access to capital against eligible earned business receivables.
Common Uses
- Unpaid commercial invoices
- Extended customer payment terms
- Receivables-related cash gaps
Revenue-Based Funding
Capital structures based on an eligible operating business's sales or revenue profile, subject to provider terms.
Common Uses
- Defined business expenses
- Short-duration capital needs
- Revenue-supported opportunities
Compare the Financing Structures
Each financing structure works differently. Compare how capital is provided, how it can be used, and the considerations that affect whether it fits your business.
| Financing Option | How It Works | What to Consider |
|---|---|---|
| SBA Financing | How It WorksSBA-backed loans are provided by participating lenders under program-specific rules for eligible business purposes. | What to ConsiderProgram eligibility, permitted uses, documentation, repayment capacity, and transaction structure. |
| Business Acquisition Financing | How It WorksFinancing is structured around purchasing an existing business or acquiring an ownership interest. | What to ConsiderBuyer qualifications, target-business financials, purchase terms, and post-close cash flow. |
| Commercial Real Estate Financing | How It WorksProperty financing can support qualifying purchases, construction, improvements, or refinancing for an operating business. | What to ConsiderOwner occupancy, property use, business cash flow, project costs, and financing structure. |
| Equipment Financing | How It WorksFinancing is tied to purchasing or refinancing eligible vehicles, machinery, and business equipment. | What to ConsiderEquipment type and condition, asset value, business financials, and provider terms. |
| Business Line of Credit | How It WorksA revolving facility permits draws against an approved limit, with available credit potentially replenishing after repayment under the agreement. | What to ConsiderDraw costs, borrowing limits, repayment, collateral, and replenishment terms. |
| Working Capital | How It WorksDifferent financing structures can provide funds for operating expenses, project costs, and cash-flow timing needs. | What to ConsiderWhether the need is recurring, short term, receivables-related, or tied to a larger investment. |
| Invoice Financing | How It WorksEligible earned receivables support financing or factoring before the customer pays. | What to ConsiderCustomer credit, invoice eligibility, disputes, payment timing, and total cost. |
| Revenue-Based Funding | How It WorksCapital and payment terms are structured around an operating business's revenue or sales profile, depending on provider agreement. | What to ConsiderTotal repayment, payment frequency, cash-flow burden, and comparison with other available financing. |
Choosing Between Financing Options
The right structure depends on what the capital will fund and how the business expects to use and repay it. These distinctions can help narrow the starting point.
- Recurring cash needs or a defined investment?
- A business line of credit can address repeated borrowing needs, while term financing or equipment financing is generally structured around a defined amount or purchase.
- Waiting on earned invoices or financing future work?
- Invoice financing depends on eligible earned receivables. Other working-capital structures can address materials, payroll, or mobilization before an invoice exists.
- Purchasing equipment or covering general operating costs?
- Equipment financing centers on an eligible asset. Working-capital financing addresses broader operating needs and can take several different forms.
- Buying property or acquiring another business?
- Commercial real estate financing focuses on the property, operating use, and transaction. Acquisition financing evaluates the buyer, target business, purchase terms, and ability to support the business after closing.
How Contractor Capital Helps
Contractor Capital is not a lender. We help contractors clarify their financing needs, consider structures that may fit the business and transaction, and connect with independent lending partners where there is a potential match. Lending partners make their own eligibility, underwriting and approval decisions.
You do not need to select a financing product before submitting a request.
Know What You Need to Finance?
Tell us the amount, purpose, and timing. Contractor Capital can review your request and help identify potential financing paths through independent lending partners.
Funding Options: Common Questions
Do I need to know which financing option I want before submitting a request?
No. Start with what the capital will be used for, the amount needed and the timing. Contractor Capital can help identify structures worth exploring based on the business and transaction.
Can more than one financing structure address the same business need?
Yes. For example, a working-capital need might be addressed through a business line of credit, invoice financing, term financing or another structure. The appropriate option depends on the circumstances and provider requirements.
How is a business line of credit different from a term loan?
A line of credit can provide revolving borrowing capacity, with available credit potentially replenishing as draws are repaid under the agreement. A term loan generally provides a defined amount with an agreed repayment schedule.
Can SBA financing support acquisitions or business property purchases?
Eligible SBA programs can finance qualifying business acquisitions and owner-occupied commercial real estate. The applicable program, borrower eligibility, permitted uses and transaction requirements determine the fit.
What do financing providers typically review?
Providers commonly review the business's operating history, revenue, cash flow, existing debt, credit profile and financing purpose. Equipment, property, invoices or acquisition documents may also be relevant.
Is Contractor Capital a lender?
No. Contractor Capital is a contractor-focused commercial financing marketplace. We help businesses explore potential financing paths through independent lending partners. Providers make their own underwriting and approval decisions.
Explore Financing That Fits Your Business
Share the financing need and a few details about your business. We can help narrow the options worth discussing with independent lending partners.