A line of credit for contractors who get paid after the work is done.
Construction and home services businesses carry two clocks at once. Materials and crew payroll come due on a weekly rhythm, while the customer, the general contractor, or the insurance carrier pays on theirs. A business line of credit is built for that gap: capital you draw when a job starts and repay when the check clears, rather than a new loan for every project.
Where the pressure shows up
Materials are paid for up front
Lumber, fixtures, and specialty materials are usually purchased before the first draw on a job. On several active projects that adds up to a real working-capital requirement.
Crews are paid weekly
Labor does not wait for retainage. Payroll, subcontractor invoices, and benefits run on their own schedule no matter where a job stands on the punch list.
Retainage and slow receivables
Final payment is often held back for weeks or months after the work is complete. The work is done, but the cash is not in the account yet.
How a line of credit helps
- Purchase materials at the start of a project instead of rationing them across jobs.
- Cover weekly payroll during a gap between draws or a weather delay.
- Bridge retainage and 45-day receivables without turning down the next bid.
Permitted uses are set by the terms of the specific facility. Nothing on this page is a statement of eligibility.
The product, in short
- Credit lines
- $25,000 – $750,000
- Pricing
- APRs starting at 8.99%
- Closing and funding
- As quickly as 5 days
- Who you apply with
- Best Line of Credit, directly
APRs starting at 8.99%. Actual APR depends on creditworthiness, underwriting, approval, and applicable terms. Not all applicants qualify for the lowest advertised APR. Timing depends on documentation, underwriting, and the transaction.
Start your applicationQuestions, answered clearly
Other industries we focus on
Healthcare & Medical Practices
Insurance reimbursements and equipment that don't always match the billing cycle.
Wholesale & Distribution
Large purchase orders and the gap between paying suppliers and getting paid.
Retail & Ecommerce
Seasonal buy-ins and inventory that has to be paid for before it sells.
Give your business more room to move.
Business lines of credit from $25,000 to $750,000. APRs starting at 8.99%, with closing and funding as quickly as 5 days.
Checking your options does not affect your credit score.