Contractors & Trades
Working capital for contractors
You front the materials and the crew, and the draw comes in 30, 60, 90 days later. Working capital for general contractors, subs and trades, underwritten on your deposits, no tax returns and no down payment. Funds in as little as 24 hours after you sign.
- GCs, subs & specialty trades
- Materials, payroll & mobilization
- Secured by your cash flow
- Funds in as little as 24 hours
Updated September 3, 2026
Can a contractor get working capital while waiting on a draw?
Yes. Avanti Equipment Finance arranges working capital of $10K to $250K to general contractors, subcontractors and trades, underwritten on three months of business bank statements rather than tax returns. Draws and retainage count as deposits, there is no down payment, and it can cover materials, payroll or the wait for a progress payment. Terms come back the same day the statements arrive, with funds in as little as 24 hours after signing.
Why finance with Avanti
Construction cash flow runs backwards: the biggest costs land at the start of a job and the money arrives at the end. Working capital covers the stretch in between: materials, payroll, mobilization, the bond or permit that has to clear before you can break ground. Three months of business bank statements is the whole application; draws and retainage deposits count like any other revenue. No tax returns, no down payment, and the amount is sized from what moves through your account. Terms usually come back the same business day, the money is wired once you sign, and if what you actually need is the machine itself, that's a separate program with its own page.
At a glance
- Amounts
- $10K – $250K
- Terms
- 6 – 24 months
- Time in business
- 1+ year
- Funds in
- As little as 24 hrs
How it works
Apply in three minutes
Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.
Send three months of bank statements
All pages, PDF downloads from your online banking. Attach them to the application and the review starts right away.
Terms the same day
A real person calls with the amount, term, and total cost in plain numbers. No surprises in the fine print.
Funds in as little as 24 hours
Sign, and the money is wired to your business account on a payment schedule you saw before signing.
Frequently asked questions
What can a contractor use working capital for?
Materials, payroll, mobilization on a new job, equipment repairs, insurance and bonding costs, or covering the gap while you wait on a draw or retainage.
Do progress payments and retainage count as deposits?
Yes. Any money landing in the business bank account counts: draws, retainage, final payments, and deposits from smaller jobs.
Can I use it for the down payment on a machine?
Yes, that is a common use. We can run the two together so the timing lines up.
My work is seasonal. Can I still qualify?
Yes. The review looks at three months of deposits, so applying when the account reflects your working season gives the clearest picture.
How fast can I get funded?
Terms usually come back the same business day your bank statements arrive; funds land in as little as 24 hours after you sign. Attach the statements to the application and the review starts the moment you submit.
Related financing
- Working capitalPayroll, inventory, repairs and slow months. For any business, funds in as little as 24 hours.
- Working capital for trucking & towingFuel, repairs, tires and slow-paying invoices. Factoring deposits count.
- Working capital vs. a bank line of creditWeeks vs. days, tax returns vs. statements, revolving vs. fixed term.
- Working capital vs. a merchant cash advanceHow each is structured, and the three things to check before you sign anything.
Working capital products are subject to credit-based pre-qualification, bank statement review, and final approval. Amounts, terms, and cost vary by business and state. Not available in all states. This is a commercial financing offer only; no consumer financing is provided.