Construction & Contractors Funding

Keep Every Project Funded & On Schedule

Materials, equipment, payroll, and the gap between progress payments shouldn't stall your jobs. Get matched through IFundYou's network of 75+ lenders — one 60-second application, no hard pull. We work with contractors and trades traditional banks decline.

Questions? Call us now: 202-455-6866

Check My Funding Options

60-second application · Checking your options does not affect your credit score · No obligation

The Funding Vault is a referral and marketing platform, not a lender. Funding decisions and terms are made by third-party lenders.

75+
Lenders
60s
Application
24–48h
After Approval
$5M
Up To
6 mo
In Business
Do You Qualify?

What lenders in our network look for

We work with lenders who look at the full picture — not just your credit score. If banks said no because of your industry, seasonality, or a challenged credit history, we may still have options.

Not quite there yet? If you're under 6 months in business or under $20K monthly revenue, call us at 202-455-6866 and we'll tell you exactly what to do to qualify when you're ready. Options may still be available even with challenged credit.

Use of Funds

Capital that keeps your jobs moving

Equipment & Tools

Excavators, skid steers, lifts, hand tools, and vehicles — buy or lease what each job requires.

Materials & Supplies

Front lumber, concrete, steel, and supplies so you can start on schedule without waiting on draws.

Payroll & Crew

Pay your crew and subcontractors on time, even between client progress payments.

Project Cash-Flow Gaps

Bridge the gap between completing milestones and receiving progress payments.

Bonding & Insurance

Cover performance bonds, liability insurance, and licensing to take on bigger contracts.

Seasonal Working Capital

Smooth out winter slowdowns and weather delays with flexible operating capital.

Funding Products

Options matched to how contractors get paid

Working Capital

Cover materials, payroll, and operating costs with flexible capital between project draws.

Equipment Financing

Finance excavators, lifts, trucks, and tools — the asset often secures the funding.

Line of Credit

Draw on a revolving credit line as projects ramp up and down through the year.

Term Loan

Fixed lump sum with predictable repayment — great for planned expansions and larger bids.

How It Works

From application to funded in three steps

1

Apply in 60 Seconds

Enter basic business info on IFundYou's secure application. Takes about a minute and does not affect your credit score.

2

Get Matched

IFundYou's lender network reviews your profile and surfaces funding products you may qualify for.

3

Choose Your Option

If the options fit, continue directly with the lender. Many fund within 24–48 hours. No pressure, no obligation.

What Business Owners Say

Contractors who got funded when banks said no

★★★★★
"I needed equipment financing and did not want to shop five lenders separately. One application gave me options I could actually qualify for."
— General Contractor
Construction · Maryland
★★★★★
"The questions took about 90 seconds. I was matched with a working capital option in two days and could actually compare terms side by side."
— Trade Contractor
Home Services · Virginia
★★★★★
"I had been turned down elsewhere because of my credit. Nobody here judged my situation, and I was matched with an option that worked."
— Owner
Contracting · Pennsylvania
FAQ

Construction funding questions, answered

Yes — that's one of the most common uses. Working capital and a line of credit can bridge the gap between completing a milestone and receiving a progress payment, so your crew and suppliers stay paid on schedule.
Yes. Many lenders in the network offer equipment financing for excavators, skid steers, lifts, trucks, and tools. The equipment itself often secures the funding, which can make approval more accessible than an unsecured loan.
Not necessarily. We work with lenders who look beyond the credit score and focus on business revenue, consistency, and bank-statement health. Challenged credit may still be considered.
Many lenders in the network fund within 24 to 48 hours after approval, and some in as little as 4 hours. Timelines vary depending on the product, the lender, and how complete your documentation is.
No. The Funding Vault is a referral and marketing platform. We connect you to IFundYou's network of 75+ lenders who evaluate your profile and present funding options. We do not make lending decisions or set loan terms.
There is no cost to you for using this service. We are compensated by our funding partner for qualified referrals. Any fees associated with your funding product are disclosed by the lender directly — always review all terms before accepting any offer.

Check your construction funding options in 60 seconds

No obligation. Checking your options does not affect your credit score.

Check My Funding Options