Funding for construction contractors
You build the change order before anyone approves it, because the schedule moves whether the signature comes or not. The payment that finally clears comes with retainage held back, and nobody releases that until the last punch item is signed off. You are lending the job your own money from mobilization to closeout.
General contracting · HVAC · Electrical · Plumbing · Concrete and framing · Drywall and masonry · Excavation and landscape
Our funding partner, ROK Financial
Your bank knows one of them. If it said no, you likely still qualify under another. That is not a pitch, it is how lending is structured.
Mobilization and the first Friday payroll can be covered before a pay app is ever written. What counts here is the deposits already in your account, and no credit score minimum stands in the way.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
Here the lender is looking at your profile instead. A line stays open so you can build the change order before anyone has approved it, then pay it back down when the retainage finally clears. The interest lands on the part you pulled, not on the whole line.
Typical: 6+ months in business · 600+ FICO for a line of credit
An excavator or a skid steer can be financed on its own strength, with a small down payment or none at all, which keeps the account intact for the next mobilization. Iron that is already yours can stand behind the loan instead.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On your revenue
Cash against the money already moving through your bank account. It is the fastest option on this page and the one with no credit score floor, because it is underwritten on your deposits rather than your FICO. Use it for materials, payroll, rent or a job you need to start before you get paid for the last one.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your credit
A pool of money you draw from when you need it and pay interest only on what you actually use. Pay it back and it is available again. It suits a business whose gaps come and go rather than one that needs a single lump sum.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On what you own
Financing for the machinery, vehicles or technology a business runs on, either to buy new gear or to borrow against gear you already own outright. It is the most forgiving option on time in business: there is no minimum, because the equipment itself carries the file.
May vary based on equipment type. ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
Takes 15 seconds
Three questions here, then you finish a short secure application. Checking your options is a soft pull and does not affect your credit score. A hard inquiry may be required at final approval.
When you submit, we send your first name, email address and monthly sales range to ROK Financial so they can work your request. Nothing else leaves this page. Privacy Policy
We're Funding Access Platform, an independent funding referral service. We work with construction contractors because a bank looks at your deposits and sees chaos: money lands in lumps whenever a pay app clears, and a slice of every job sits as retainage in the GC's account.
We don't lend money ourselves. We pass your request to ROK Financial, an A+ rated, BBB accredited marketplace that has funded over two billion dollars in business financing, and their team works your options across all three paths.