Business line of credit
Reusable access for payroll, materials, inventory, and receivables gaps.
- Best when
- Recurring short gaps
- Payment
- Pay on drawn balance
- Watch
- Renewal and draw rules
Compare options for project costs, equipment, working capital, expansion, and existing debt — with the speed, payment structure, and full cost laid out clearly.

Choose by use
The product name matters less than whether the structure supports the job, the payment cycle, and the next six to twenty-four months.
A fixed funding structure can make sense when the use is clear, the business has time to document the file, and cash flow can support predictable payments.
02For businesses that repeatedly front materials, payroll, or mobilization costs, revolving access may fit better than taking a brand-new lump sum every time.
03When a profitable opportunity cannot wait six weeks on a traditional process, a faster structure may be worth reviewing—as long as the payment fits.
04Finance trucks, machinery, tools, and other productive assets without tying up every dollar of operating cash at once.
05A bridge loan can cover a defined timing gap when there is a credible, documented event that pays it off—such as a sale, refinance, draw, or permanent loan.
06Finance qualified vertical construction with a structure tied to land basis, plans, budget, permits, inspections, draws, contingency, and the finished-project exit.
07Finance or refinance a stabilized rental property around documented income, expenses, debt service, value, reserves, and the operator’s long-term plan.
08Review acquisition, construction, completion, and stabilization financing for qualified multifamily projects with a complete capital stack and credible takeout.
09Review capital for a qualified acquisition and renovation plan without treating short-term project money like permanent financing.
10If three to five daily or weekly advances are already pulling from the account, adding another position can make the business less fundable—not more.
11Explore contractor financing for materials, payroll, crews, equipment, and larger projects. Built for established construction and trades businesses.
12Explore SBA-backed financing for contractors seeking longer-term capital for expansion, acquisition, equipment, or commercial property.
13Explore purchase order and contract-based financing for businesses that need supplier capital to fulfill committed work.
14Commercial real estate financing for contractors purchasing, refinancing, or improving owner-occupied facilities and investment property.
15Explore contract-based financing for contractors and construction companies with signed work, upcoming mobilization, supplier needs, and project costs.
16Explore work-in-progress financing options for construction companies and contractors managing completed work, draws, invoices, retainage, and active project costs.
17Explore larger business financing requests for established contractors, construction companies, operators, and businesses with defined capital, project, acquisition, property, or restructuring needs.
18Explore a confidential large debt restructuring conversation for established businesses managing significant payment pressure, multiple obligations, and a need for a more workable path forward.
19Explore a confidential MCA debt recovery and restructuring conversation for contractors and trade businesses managing stacked advances, daily or weekly payments, and severe cash-flow pressure.
20Explore M&A planning support for established construction companies, contractors, and trade businesses considering an acquisition, buyout, succession, or strategic growth transaction.
21Explore multifamily financing options for qualifying acquisitions, renovations, bridge needs, construction projects, and stabilized-property strategies.
22Explore rental property and DSCR financing conversations for investors and operators building, acquiring, renovating, refinancing, or holding residential investment property.
Option comparison
Choose what the capital needs to accomplish. The tool surfaces three structures worth understanding first—then shows the tradeoff that matters most.
Select one goal. This is a starting point, not an approval or recommendation.
Reusable access for payroll, materials, inventory, and receivables gaps.
Faster working capital when waiting has a measurable cost and deposits are consistent.
A fixed amount and schedule for a defined investment or refinance.
Actual availability, speed, amount, pricing, collateral, term, and payment frequency depend on underwriting, the lender, and the complete file.
Tell us what needs to happen, when it needs to happen, and how the business is currently performing.