INDUSTRY SOLUTIONS
Capital to Keep Your Projects on Schedule
Construction companies spend upfront on materials, equipment, and labor long before final payments arrive. We provide fast, flexible funding so you can bid confidently, mobilize quickly, and keep every project moving forward.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Materials, equipment, labor & more
THE CHALLENGE
Why Contractors Need Capital Before the Check Clears
Construction is a front-loaded business. You buy materials before the foundation is poured. You pay subcontractors before the walls go up. You cover equipment rentals, permits, and insurance before the client pays their first draw. And if you're managing multiple projects, those upfront costs multiply fast.
Payment cycles in construction are notoriously long. Net 30 terms often stretch to Net 60 or longer. Retainage holds 5 to 10 percent of your payment until project completion. And change orders can delay invoices for weeks. Even profitable contractors can find themselves cash-poor between draws. Job-start timing brings swings of its own on top: our article on housing-starts swings and contractor cash flow covers how to plan for an uneven building calendar.
At Monera Capital, we've funded general contractors, specialty subcontractors, home builders, remodelers, and commercial construction firms. Project-based cash flow is the default here, and our funding is structured to match how construction actually works.
Specialized Funding
Which Describes Your Business?
From bonded commercial work to residential remodels, each trade gets paid differently. Find the funding built for yours.
Commercial General Contractors
Retainage and progress billing leave you funding the job in the middle of the payment chain. Working capital to keep crews and suppliers paid.
Commercial GC funding
Home Builders
Land and materials carried for months before a sale closes. Operating capital to bridge the build-to-closing gap.
Home builder funding
Remodelers & Renovation
Deposit limits mean you front the materials and labor on every job. Funding to cover the work before the progress payments land.
Remodeler funding
Concrete, Excavation & Sitework
Mobilization, fuel, and heavy iron come before the first payment. Working capital and equipment funding for sitework crews.
Sitework fundingHow Contractors Use Our Funding
Materials & Supplies
Purchase lumber, concrete, steel, drywall, and other building materials upfront to lock in pricing and keep projects on schedule.
Heavy Equipment
Buy or rent excavators, loaders, cranes, lifts, and other heavy equipment needed for job sites.
Labor & Subcontractors
Cover payroll for your crew and pay subcontractors on time to maintain relationships and keep projects moving.
Bonding & Insurance
Fund performance bonds, bid bonds, and insurance premiums required to compete for larger projects.
New Project Mobilization
Cover the upfront costs of mobilizing for a new job, permits, site prep, equipment transport, and initial material orders.
Bridging Between Draws
Maintain cash flow between progress payments and final draws so you never have to slow a project due to funding gaps.
Funding Solutions for Construction Companies
We offer multiple products to match the way construction businesses actually operate.
Working Capital Loans
Fast capital to cover materials, labor, and operational costs between project draws and final payments.
Learn MoreEquipment Financing
Finance heavy equipment, vehicles, and tools with terms up to 60 months. The equipment serves as collateral.
Learn MoreBusiness Loans
Lump-sum capital for larger needs, fleet expansion, yard or office space, or mobilizing for a major new project.
Learn MoreAR Factoring
Turn outstanding invoices from completed projects into immediate cash instead of waiting 30, 60, or 90 days for payment.
Learn MoreWhy Construction Companies Choose Us
We've funded general contractors, specialty subs, home builders, and commercial construction firms across the country. We know project-based cash flow, retainage, draw schedules, and the upfront costs that come with every new job.
Apply Now- We understand project-based cash flow
- Approval in 4–8 hours, no waiting between draws
- Equipment financing with terms up to 60 months
- AR factoring for outstanding project invoices
- Dedicated advisor who knows construction
- All credit profiles considered
Simple Requirements to Get Started
If your construction company has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Construction Funding FAQs
What can construction businesses use funding for?
Construction businesses use funding for materials and supplies, heavy equipment, labor and subcontractors, bonding and insurance, mobilizing new projects, and bridging the gap between progress draws. Amounts run from $10,000 to $500,000.
How does funding help with project-based cash flow and slow draws?
Construction cash flow is lumpy: you front materials and labor long before a draw or final payment lands. Working capital covers that gap, and AR factoring can turn outstanding project invoices into cash now, so you can mobilize the next job without waiting.
Can construction businesses qualify for funding?
Most construction businesses qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can construction businesses get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can construction businesses get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can construction businesses get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for construction businesses?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
Insights
Reading for Construction Owners
Is It a Cash Flow Problem or a Business Problem?
A low bank account does not always mean a failing business. How to tell a timing gap you can fund from a pricing problem you have to fix first.
Read Essay
Contractor Cash Flow in a Stop-and-Go Housing Market
Housing starts fell 15.4% in May, jumped 19.0% in June, then fell 12.4% in July. Why contractors should plan cash flow for the swings, not a trend.
Read Article
What the Fed's Rate Hold Means for Small Business Funding
Three Fed officials voted to raise rates in July. None voted to cut. How the vote and new bank-lending data should shape funding a business this fall.
Read Article