Funding Built for Concrete, Excavation & Sitework Contractors

Yes, this is the most common reason sitework contractors come to us. On public and DOT jobs, the separate mobilization pay item is capped at roughly 10 to 11 percent of the contract, and the amount above about 10 percent is withheld until the project is accepted (FHWA). Meanwhile your real mobilization spend, the lowboy hauling of excavators and dozers to the site, temporary access roads, erosion and sediment control, dewatering, job trailers, and the first weeks of payroll, all lands before that capped payment arrives. Working capital advances you the cash now to mobilize, and you repay as the job pays out.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason sitework contractors choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after the mobilization window has passed.

Yes. Concrete, excavation, and sitework is the most equipment-intensive construction segment, the machine is the revenue engine, so equipment financing is a primary tool here, not a footnote. It's available with terms up to roughly 60 months, and the equipment itself usually serves as collateral, which often makes approval easier. It fits excavators, loaders, dozers, graders, off-road trucks, and ready-mix and pump trucks.

Yes. A stalled or undersized machine is idle, high-cost crew waiting on a part or a payment, and a down fleet directly caps your revenue. Working capital or equipment financing can cover a major repair or a down payment on a replacement, so the iron is back on the job instead of sitting in the yard.

No. Held retainage doesn't disqualify you. Retainage is commonly 5 to 10 percent, with statutory caps that vary by state, for example California caps retention at 5 percent on public works and Texas caps it at 10 percent on public works under $5 million (5 percent at or above), and it's released only when the whole job is accepted, often months after your earthwork is done. We base funding on your monthly revenue and time in business, not on a perfect balance sheet, so money tied up in retainage is exactly the kind of gap working capital is meant to bridge.

Yes. Earthwork is typically paid by measured in-place quantities, the cubic yards excavated or placed, linear feet of pipe, or square yards paved, verified by survey, so payment lags the physical work and you finance every yard moved until it's measured and approved. Under the federal Prompt Payment Act for construction, the government pays the prime within 14 days of a progress-payment invoice and final payment within 30 days of acceptance, and the prime then has 7 days to pay each lower tier (FAR 52.232-27), but subs still wait in practice. Working capital and a line of credit carry you through that survey-and-approval lag.

Yes. A business line of credit is a good fit for the revolving mobilization-to-payment cycle. You draw on it to mobilize, fuel up, and make payroll, then repay as the progress payment or mobilization money lands, and you only pay interest on what you actually use. It also smooths the seasonal swing between a busy build season and a slow or frozen winter.

Sitework is strongly seasonal in cold climates: in northern areas, freezing temperatures limit construction in winter, and fresh concrete exposed to cold in its first 24 hours can lose roughly half its strength (cold-weather concrete engineering guidance), so winter can be a low- or no-revenue stretch. Meanwhile equipment notes, insurance, and a retained core crew keep running every month. Working capital or a line of credit carries those fixed costs through the quiet stretch and funds the spring re-mobilization, before the season's billings land.

All credit profiles are considered. Most sitework contractors we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your billings and day-to-day performance matter more than a perfect credit score.

Yes, with an important distinction. We do not issue surety bonds, that's the surety's role, but we can fund the operating cash that a bond premium and the job behind it require. Think of it as funding the cash flow behind the bond, not underwriting the bond itself.

No, and this is an honest boundary worth being clear about. Monera funds your business operating cash, mobilization, fuel, payroll, materials, and equipment, not the project's permanent financing or the property itself. We are not a construction-loan, project-finance, real-estate or land-acquisition, hard-money, or floor-plan funding partner, and we don't issue bonds. Sitework contractors get pitched 'construction financing' constantly, which usually means project or real-estate loans or surety bonding, products we don't offer. We fund the operating-cash gaps those other products don't cover.

Applying is quick and checking what you qualify for uses a soft credit pull that won't affect your score, with no obligation to move forward. Most contractors apply with a simple application and a few months of recent business bank statements. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.