Funding businesses in all 50 states that build, repair, and power America.
Built for blue-collar businesses. Whether you're stocking inventory, bridging cash flow, buying equipment, purchasing real estate, or acquiring a competitor, we'll help you secure the capital to get it done.
CONNECT WITH AN EXPERT
Tell us where you're headed. We'll help you finance it.
Trades we've financed across all 50 states
WHO IS BLUE COLLAR FUNDING?
We help contractors, skilled trades, service businesses, manufacturers, and other blue-collar companies secure the capital they need to grow. Whether you're buying equipment, hiring another crew, bridging cash flow, expanding into a new market, or acquiring a competitor, we'll help you find the financing that fits your business.
Founded on a deep respect for the men and women who build, repair, and power America, we focus on one kind of customer: blue-collar businesses. From plumbing, HVAC, electrical, roofing, and trucking to manufacturing, waste management, paving, excavation, and countless other skilled trades. We understand how your business operates and how it can scale with the right capital solutions.
Recently Funded
- Equipment FinancingHVAC Contractor — Phoenix, AZ$412K
- Working CapitalRegional Trucking Fleet — Amarillo, TX$1.8M
- SBA 504Welding & Fab Shop — Erie, PA$2.4M
- Line of CreditExcavation Contractor — Boise, ID$50K
- WORKING CAPITALElectrical Contractor — Charlotte, NC$340K
- CRE PurchaseWaste Hauler — Springfield, MO$3.1M
Loan Programs for Blue Collar Businesses
Whether you're adding new equipment, hiring another crew, purchasing a competitor, or finally buying the shop you've rented for years, we'll help you find the right capital solution to get it done.
Equipment Financing
Buy the machine, keep the cash. Finance new or used equipment from a dealer or private party without draining your operating account.
Business Line of Credit
Draw what you need, pay interest only on what you use, and pay it back down when the checks clear. Built for seasonal swings.
SBA 7(a) & 504 Loans
Government backed loans with long terms, low payments, and cheap rates. The best money to make big moves.
Working Capital
Straightforward money for hiring, advertising, cash flow gaps, or materials to finish a big job.
Real Estate Loans
Purchase, refinance, or cash-out on business purpose and investment purpose property.
Term Loans
Supporting growth through multi year terms, no collateral needed, and fast funding.
Amounts, Requirements & Funding Speed
| Loan Type | Amount Range | Min. Time in Business | Min. Credit Score | Typical Funding Speed |
|---|---|---|---|---|
| Equipment Financing | $25,000 – $5,000,000 | 1 year | 600+ | 1 - 5 days |
| Business Line of Credit | $10,000 – $5,000,000 | 1 year | 600+ | 24 – 48 hours |
| SBA 7(a) & 504 Loans | $50,000-$5,000,000 | 3 years | 650+ | 30 – 60 days |
| Working Capital | $25,000 – $5,000,000 | 1 year | 500+ | 24 - 48 hours |
| Real Estate Loans | $250,000 – $25,000,000 | 2 years | 660+ | 30 – 60 days |
| Term Loans | $25,000 – $5,000,000 | 1 year | 600+ | 24 – 48 hours |
The Loan Process
Built to move as fast as your business does.
Connect With an Expert
Complete a 5 minute introductory call to see if we can truly help your business.
Apply in Minutes
Send in a one page application and six months of bank statements. Financials required on some programs.
Get Real Offers
You don't have time to waste and neither do we. Honest offers with your best interest in mind.
CLOSE YOUR DEAL
Order contracts, review the financing approval, sign & fund your deal.
Keep Your Equity, Keep Your Upside
Private equity is buying blue-collar businesses earlier and cheaper than ever. Don't sell a piece of your company before it hits peak value. Debt lets you pull capital out, scale up, and exit on your own terms.
Sell a Piece of the Company
- You give up ownership and control
- They buy below your peak valuation
- Future upside is split forever
- Exit timeline is no longer fully yours
Finance It Instead
- You keep 100% ownership and control
- Use the capital to grow, hire, or acquire
- Build to a higher valuation before a exit
- Pay the loan off and keep the upside
FAQs
Ready to put capital to work?
Book an appointment or apply now to explore your funding options, plan for the future, or just talk shop with the leaders in blue-collar business financing.