Nine Ways To Fund A Blue Collar Business
Every program below is underwritten by people who understand progress draws, orderly liquidation value, broker settlements, and shoulder season. Pick the one that fits, or let us pick it for you.
Equipment Financing
Trucks, excavators, lifts, CNC — funded fast.
Buy the machine, keep the cash. Finance new or used equipment from a dealer or private party without draining your operating account.
- Amount
- $25,000 – $5,000,000
- Time in Biz
- 1 year
- Credit
- 600+
- Speed
- 1 - 5 days
Business Line of Credit
Revolving cash for payroll, materials, and slow weeks.
Draw what you need, pay interest only on what you use, and pay it back down when the checks clear. Built for seasonal swings.
- Amount
- $10,000 – $5,000,000
- Time in Biz
- 1 year
- Credit
- 600+
- Speed
- 24 – 48 hours
SBA 7(a) & 504 Loans
Lowest cost capital for growth, buyouts, and buildings.
Government backed loans with long terms, low payments, and cheap rates. The best money to make big moves.
- Amount
- $50,000-$5,000,000
- Time in Biz
- 3 years
- Credit
- 650+
- Speed
- 30 – 60 days
Invoice Factoring & AR Financing
Stop waiting 60 days for the GC to pay you.
Sell or borrow against your open invoices and get 80% – 95% of the face value in your account within 24 hours.
- Amount
- $25,000 – $10,000,000+
- Time in Biz
- 6 months
- Credit
- No minimum
- Speed
- As little as 24 hours
Working Capital
A lump sum with a fixed payment and a clear payoff date.
Straightforward money for hiring, advertising, cash flow gaps, or materials to finish a big job.
- Amount
- $25,000 – $5,000,000
- Time in Biz
- 1 year
- Credit
- 500+
- Speed
- 24 - 48 hours
Real Estate Loans
Own the shop, the yard, and the warehouse.
Purchase, refinance, or cash-out on business purpose and investment purpose property.
- Amount
- $250,000 – $25,000,000
- Time in Biz
- 2 years
- Credit
- 660+
- Speed
- 30 – 60 days
Term Loans
Short-term capital to get you to the closing table.
Supporting growth through multi year terms, no collateral needed, and fast funding.
- Amount
- $25,000 – $5,000,000
- Time in Biz
- 1 year
- Credit
- 600+
- Speed
- 24 – 48 hours
Asset-Based Lending
Borrow against the iron, inventory, and receivables you already own.
Revolving facilities secured by equipment, AR, and inventory — for shops with hard assets and uneven earnings.
- Amount
- $250,000 – $10,000,000
- Time in Biz
- 2 years
- Credit
- No minimum
- Speed
- 10 – 14 days
Purchase Order & Material Financing
Take the big job even when materials cost more than you have.
We pay your suppliers directly so you can accept contracts that are larger than your current cash position.
- Amount
- $25,000 – $10,000,000+
- Time in Biz
- No minimum
- Credit
- No minimum
- Speed
- 24 – 48 hours
Not sure which program fits?
Tell us the situation in plain terms. We'll tell you which door to walk through and what it actually costs.