Twenty Trades. One Specialist Lender.
Generalist lenders treat a roofing company like a retail store. We don't. Every industry below has its own cash flow rhythm, collateral profile, and payment cycle — and we underwrite to it.
Plumbing
Vans, techs, and inventory on the truck.
Plumbing shops live and die by truck count and tech availability. We fund service vans, jetters, camera rigs, and the working capital to keep parts on every truck so techs aren't driving to the supply house mid-call.
Financing for plumbingHVAC
Survive shoulder season, own the summer.
HVAC revenue is a rollercoaster — brutal in spring and fall, relentless in July. We build lines of credit sized for shoulder season and equipment financing that stocks condensers and air handlers before the first heat wave.
Financing for hvacElectrical
Material-heavy jobs, long payment cycles.
Copper and gear pricing moves faster than your bids. Electrical contractors use material financing and AR facilities to front switchgear and wire on commercial jobs without stalling out cash flow.
Financing for electricalRoofing
Storm season cash, insurance-cycle patience.
Roofers scale fast after a storm and then wait on insurance carriers. We fund crew mobilization, material drops, and the gap between tear-off and the supplement check.
Financing for roofingTrucking
Fuel today, settlement in 45 days.
Freight pays late and diesel doesn't wait. Factoring on broker loads plus tractor and trailer financing keeps wheels turning and drivers paid on schedule.
Financing for truckingExcavation & Site Work
Iron is the business.
Excavators, dozers, and skid steers are the whole balance sheet. We finance new and used iron, fund mobilization on site packages, and lend against your equipment schedule when you need a bigger facility.
Financing for excavation & site workLandscaping & Hardscape
Nine months of work, twelve months of overhead.
Seasonal revenue with year-round payroll and equipment notes. We structure lines that draw down in winter and pay off in the spring rush, plus financing for mowers, trailers, and skid steers.
Financing for landscaping & hardscapeConcrete
Material up front, payment on completion.
Concrete work is front-loaded with material and labor cost. We front mix, forms, rebar, and pump rental, then settle when the GC funds the draw.
Financing for concreteRestoration & Remediation
Carriers pay slow. Crews don't.
Water, fire, and mold work starts within hours and gets paid within months. Restoration contractors use AR financing on carrier receivables and lines of credit for equipment fleets and 24/7 crews.
Financing for restoration & remediationAuto & Diesel Repair
Bays, lifts, and parts on the shelf.
Shop capacity is bay count. We finance lifts, alignment racks, diagnostic equipment, and the parts inventory that keeps cars off the lot and out the door.
Financing for auto & diesel repairWaste Management
Route density takes trucks and cans.
Growth in hauling means more trucks, more containers, and more landfill fees before the billing cycle catches up. We fund fleet, containers, and route acquisitions.
Financing for waste managementManufacturing
Machines, materials, and long POs.
Job shops and small manufacturers carry heavy raw material and WIP. We combine equipment financing with asset-based facilities on inventory and receivables to keep the floor loaded.
Financing for manufacturingAgriculture
One paycheck a year, twelve months of bills.
Farms and ag service businesses need capital that respects the crop calendar. Equipment notes, operating lines, and land financing structured around harvest.
Financing for agricultureWelding & Fabrication
Steel prices move. Your bid doesn't.
Fab shops eat material cost up front and bill on delivery. We fund steel purchases, shop equipment, and rigs for mobile welders scaling into a crew.
Financing for welding & fabricationOilfield Services
Operator terms are net-60 at best.
Service companies in the patch carry payroll and fuel while operators pay on their own schedule. Factoring and asset-based facilities smooth the gap.
Financing for oilfield servicesHeavy Equipment Contractors
Fleet financing built around utilization.
When your machines are your margin, capital structure matters. We finance acquisitions, refinance existing equipment notes, and build asset-based lines against your fleet's orderly liquidation value.
Financing for heavy equipment contractorsPest Control
Recurring revenue is bankable.
Route-based pest businesses have the cleanest cash flow in the trades. We lend against recurring contracts to fund route acquisitions, trucks, and territory expansion.
Financing for pest controlPool Builders
Deposits in, gunite out, balance later.
Pool construction is a working capital business disguised as a construction business. We fund material, subs, and equipment between deposit and final payment.
Financing for pool buildersPainting
Labor-heavy, material-light, payment-slow.
Commercial painting runs on payroll. We provide lines of credit and AR financing sized to your crew count so Friday never depends on a GC's Thursday.
Financing for paintingFlooring
Material up front, install on schedule.
Flooring contractors float material on nearly every job. Purchase order and material financing lets you take larger multifamily and commercial packages without stretching supplier terms.
Financing for flooringDon't see your trade?
If you turn a wrench, run a crew, drive a truck, or run a shop floor, call us. If we can't fund it, we'll tell you who can.