GET FUNDED

Small Business Funding For
Purchasing Job Materials.

Don't let an empty supply yard stand between you and your next contract.

When you have the crew and the contract but lack the upfront capital for materials, you're forced to leave money on the table. We provide the quick-turn funding needed for you to secure your supplies, lock in your pricing, and get your team to the job site without draining your operating reserves.

LET'S TALK GET FUNDED

Funding Amounts

$10,000 - $1,000,000

Repayment Terms

3 - 12 months

Timeline To Funding

Within 24-hours

Between Procurement And Payout.

Contracting is a game of timing. Between ordering materials upfront and receiving your first milestone payment, there's a "capital gap" that can paralyze operations.

Having dedicated capital for supplies allows you to maintain the momentum of your project schedule and keep your cash flow predictable while you wait for the net-30 or net-60 day clock to run out.

A Signed Contract Isn't The Same As Cash In The Bank.

In a perfect world, project deposits would cover your supply list. In reality, you're often left financing the start of the job out of your own pocket. When you're forced to choose between paying your crew and loading the truck, you aren't managing a project—you're managing survival.

Inventory Control

Stock up on essential materials during price dips or before seasonal shortages to protect your project profit margin.


Vendor Negotiations

Use cash-in-hand to negotiate bulk discounts or better terms with suppliers, lowering your total job costs.


Capacity Building

Stop turning down big jobs because of upfront costs. Scale your project load by financing the materials for multiple sites simultaneously.

Preserve Operating Capital

Keep your personal and business reserves untouched while you wait for the project draws or insurance payouts to clear.



Get The Truck Loaded And The Job Started.

You can't get paid until you finish the job—but you can't start the job until you buy the materials. That reality forces many contractors to pass on strong projects simply because the upfront costs outpace their available cash.

Capitalize Funding supplies the capital to bridge that gap, so your crew has the materials they need to start the next job.

BEST MATCH

Cash Flow Funding

Smooth out the gaps in your cash flow or bridge slow payments with funding that's designed to match the way your billing cycle works.

Other Funding Options:

Working Capital Loan

Keep your business running smoothly with a short-term funding solution designed to take care of the day-to-day operational expenses.

Merchant Cash Advance

Funding that's tied to your revenue, rather than being tied to a rigid repayment schedule. Payments adjust according to business performance.

Business Line Of Credit

Revolving capital on-demand. Draw funds when needed and only pay interest on what's borrowed. Credit replenishes as you repay.

When Revenue Runs
On Its Own Schedule.

When a job requires the purchase of supplies and materials upfront, before the work begins, but payment isn't received until months after the job's completion, even the strongest businesses get tripped up. Because you can't work if you don't get paid—but you can't get paid if you don't work.


Upfront Costs

Materials are purchased before work begins.

Suppliers require payment upon delivery.

Labor is scheduled before revenue exists.

Cash is committed before generating income.

Incoming Revenue

Payments follow completion or milestone billing.

Net terms delay cash flow by up to 90+ days.

Draw schedules rarely align with upfront costs.

Revenue reflects past work—not current projects.


Straight Answers. No Fine Print.


How quickly can I get funding for materials and supplies?

Funding can move as quickly as the situation requires, but speed is directly tied to how prepared you are on the front end. When applying, please complete your application as accurately as possible and in its entirety, and submit all required documents along with your application. Approvals are typically issued within hours, and funding can often be sent out on the same day, if all documents are received by mid-morning.

What matters more than speed, though, is timing. The goal isn't just to fund quickly—it's to have capital in place before delays start impacting your job schedule. Once materials are get delayed, timelines are pushed back, crews sit idle, and costs begin to stack.

The most effective use of this type of funding is proactive—securing materials before the job is at risk, not after it's already been delayed.

Can I pay off my balance once this job is completed?

Yes. You can pay off your balance at any time without incurring any penalties. This type of capital is typically used to bridge a short-term gap—not carry long-term debt. Once the job is completed and paid, many businesses choose to clear the balance immediately rather than dragging the repayment out over an extended period of time.

And depending on how quickly your balance is repaid, you may qualify for prepayment discounts. To see how much you could save, check out our early payoff calculator.

Can I get additional funding for materials on the next job?

Yes. Approval for additional funding weighs heavily on how your current position is performing, how it's impacting your cash flow, and the projected revenue and timing of your upcoming jobs.

If your bank statements are healthy, your previous funding is being managed without strain, and additional funding will not be burdensome to your business' financial health, it's very possible for you to obtain additional capital for a new project.

Can I still qualify for funding if I have bad credit?

Absolutely. While traditional lenders heavily weigh credit scores, our position is that your credit score has no bearing on your ability to repay a loan. Our funding options focus on your business' cash flow and overall financial health. If your business generates consistent revenue and has a solid track record, you will qualify.

Our goal is to provide funding solutions that are accessible and realistic—even for businesses with less-than-perfect credit. Plus, our funding can help you establish a credit history by demonstrating responsible repayment, making future funding even easier to obtain.

A Signed Contract Is Only As Good
As Your Ability To Execute It.

When the opportunity to take on a high-value project arrives, the last thing you should be worried about is whether you can afford the cost of materials upfront.

If the work is there, the only thing that should matter is getting started—not whether you have the cash to cover it. Capitalize Funding can help your business bridge that gap so you can secure materials, start the job, and keep your projects moving.


A pink piggy bank wearing a hard hat, standing next to a pile of wooden boards, a hammer, and pile of nails.

Explore other scenarios where funding can help keep your business moving.

Cash Flow Gaps

Operational Expenses

Seasonal Downturn