Construction & Contractors funding
that closes today.
General contractors, electricians, plumbers, roofers — construction businesses live and die by their ability to float labor and materials while waiting for customer payments.
- ✓ Avg construction & contractors deal: $85,000
- ✓ Same-day funding available
- ✓ Contractors we fund nationwide
- ✓ All credit considered
Apply for Construction & Contractors funding
60 seconds. No upfront fees.
Or call us directly: (516) 363-2658
Funding built for contractors
General contractors, electricians, plumbers, roofers — construction businesses live and die by their ability to float labor and materials while waiting for customer payments.
Common funding needs for contractors
How contractors use Bolt Funding capital
- ✓ Materials float
- ✓ Payroll
- ✓ Equipment purchases
- ✓ Bonding
- ✓ Bid deposits
Best products for contractors
Business Line of Credit
$10K – $500K · 24 – 72 hours
Revolving credit up to $500K. Draw what you need, pay interest only on what you use.
Equipment Financing
$10K – $5M · 24 – 72 hours
Up to 100% financing on trucks, machinery, tech, restaurant equipment and more.
SBA Loans
$50K – $5M · 30 – 60 days
SBA 7(a) and 504 loans up to $5M. Terms up to 25 years. The lowest cost of capital in the market.
Merchant Cash Advance
$5K – $2M · Same day – 24 hours
Same-day funding against future sales. No collateral. All credit considered.
From application to funded in 24 hours
No bank-style runaround. Just real money, fast.
Apply in 60 seconds
Tell us how much you need, how long you have been in business, and your monthly revenue. No documents, no credit pull.
Get matched & approved
Our team shops your file across 75+ lenders and brings you the best offer within hours — often in minutes.
Sign & get funded
Pick the offer you like. Sign digitally. Most deals are funded in 4 – 24 hours, same day for MCAs submitted before 11am ET.
Construction & Contractors funding FAQ
What kind of business funding works best for contractors?
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Most contractors we work with use a combination of business line of credit, equipment financing, sba loans, merchant cash advance. The right fit depends on your time in business, monthly revenue, and what you need the funds for.
Average funding amount for contractors?
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The average Bolt-funded construction & contractors deal is around $85,000. Smaller deals start at $5,000; the largest can reach $5M+ on SBA and CRE programs.
Will my credit hurt my chances?
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Not on most construction & contractors programs. Our MCA and equipment financing programs routinely fund operators with FICO scores in the 500s. SBA loans do require 680+ credit, but we have other options if you don't qualify yet.
Can contractors get funded same day?
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Yes — if you submit your application and last 3 months of bank statements before 11am ET, same-day MCA funding is realistic for contractors.
Fund your construction & contractors business today.
Apply free in 60 seconds. Funded in as fast as 4 hours.