Funding built for construction.
From breaking ground to final draw, construction runs on cash you don't have yet. We bridge the gap between winning a bid and getting paid so you never turn down a job.
Challenges construction firms face
Construction margins are real, but the timing is brutal. Here's what we hear from contractors every day.
Slow progress payments
You front materials and labor for weeks before a draw or retainage clears—tying up cash you need for the next job.
Expensive equipment
Excavators, loaders, and trucks cost six figures, and buying outright drains the reserves you need to operate.
Seasonal and weather swings
Rain, frost, and off-season slowdowns can stall revenue while fixed costs keep rolling.
Bonding and payroll pressure
Crews need to be paid on time every week, even when the client's check is still in the mail.
Funding solutions for construction firms
Three products that match how construction firms actually earn and spend.
Business Line of Credit
A revolving line to float materials and payroll between draws, then repay when the client pays.
Explore this productEquipment Financing
Finance excavators, trucks, and tools up to 100% of cost and keep your cash for operations.
Explore this productSBA Loans
Low-rate, long-term capital for major expansion, real estate, or buying a competitor.
Explore this productConstruction by the numbers
How construction firms put it to work
- Buying materials in bulk for a large project before the first draw
- Financing heavy equipment and fleet vehicles without depleting reserves
- Covering weekly payroll while retainage is held
- Taking on a bigger contract that's beyond your current cash position
- Bridging the slow winter months between project seasons
We won a $1.2M municipal job but couldn't float the materials. Pulse set up a line of credit in two days—we bought everything up front and repaid the moment the first draw cleared.
Do you qualify? Most construction firms we fund have 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score. Meet those and there's a strong chance we can help—checking your options takes minutes and won't affect your credit.
Never turn down a job for cash flow.
Get the working capital and equipment financing construction firms rely on—apply in minutes with no hard credit check to start.