Funding Built for Remodelers & Renovation Contractors

Yes, and that gap is exactly what the funding is for. Home-improvement consumer-protection laws cap the deposit you can legally collect up front. California caps it at the lesser of $1,000 or 10% of the contract price, and Pennsylvania, Maryland, and Massachusetts cap it at roughly one-third. That deposit is usually far too small to bankroll the early materials buy and the first weeks of multi-trade payroll, so you front the job out of your own cash and recoup it through progress draws. Working capital bridges that gap, then you repay as the draws land.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason remodelers choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after the job needed to start.

Yes. Renovating an existing home means opening walls, floors, and roofs, and finding hidden conditions: old or unsafe wiring, hidden plumbing failures, mold, rot, or structural damage that has to be fixed right then to keep the job moving and the home safe. You usually buy the material and pay the crew before the homeowner approves and funds the change order. Working capital or a line of credit covers that immediate spend so work never stops while the paperwork catches up.

Yes. We fund remodelers based on your monthly revenue and how long you've been in business, not on whether you issue commercial invoices. Because you're paid by individual homeowners on progress draws rather than billing other companies, invoice factoring isn't a fit for your business, so we bridge the gap with flexible working capital or a line of credit instead. You front the job, draw the funding, and repay as the homeowner's payments come in.

We fund your business, not the homeowner's project. Our capital goes to your company, for the materials, multi-trade labor, equipment, and cash flow it takes to do the work. It is not a consumer or home-improvement financing program that lets the homeowner pay for their renovation over time, the kind of point-of-sale financing some contractors offer at the kitchen table. How you bill and collect from your clients stays entirely with you. We put working capital into your company so you can front the job.

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

Yes, and that's a common fit for this work. Because the legal deposit is capped and each homeowner's draws only release as work completes, a remodeler's float is recurring and lumpy. A business line of credit lets you draw to front each job's material buy and the mid-job surprises, then repay as the draws land, with interest only on what you actually use. It stays available for the next job and the next surprise.

No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.

All credit profiles are considered. Remodeling runs on thin margins, the NAHB reported an average net profit margin of 6.3% in 2024, so a single slow-paying homeowner or a mid-job surprise can swamp a job. We weigh your actual revenue and performance, not just a credit score, so a rough patch in your history doesn't automatically rule you out.

Yes. Equipment financing is available with terms up to 60 months, and the equipment itself usually serves as collateral, which often makes approval easier. It's a fit for a work truck, power tools, or the occasional heavier demolition equipment. You can apply once and we'll match you to working capital, equipment financing, or both.

Remodeling demand has been broadly resilient, the NAHB/Westlake Royal Remodeling Market Index has stayed above the break-even point of 50 for 24 consecutive quarters, but exterior and weather-dependent work still slows in cold months while your fixed costs run all year. Working capital or a line of credit can carry your core crew and overhead through the quiet stretch, then fund the ramp back up when the season turns.

The application is short and usually asks for a few months of recent business bank statements to confirm your revenue. Approval typically comes within 4 to 8 hours, with funds following shortly after. There's no obligation, and checking what you qualify for won't affect your credit score.