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Working capital for contractors and real estate businesses.

Contractors and real estate businesses often pay for materials, crews and permits weeks before a draw or closing comes through. The right capital keeps projects moving on schedule. Retail Funding helps businesses access up to $2,000,000, usually in under 24 hours.

$500M+accessed by our clients
6,000+businesses funded
6+ yearsserving businesses from Melville, NY
<24 hrsfrom approval to funding
On the shop floor

How contractors and real estate businesses use Retail Funding

Materials and supplies

Buy lumber, steel and fixtures up front, often at a better price.

Payroll between draws

Keep crews paid while you wait on progress payments.

Equipment

Buy or repair the machines and tools your jobs depend on.

Taking on bigger jobs

Bid on larger projects with the cash to start them right.

Built for Main Street

Funding that fits how your sales actually come in

Busy weekends, slow Tuesdays and big seasons. Our offers are built around your real revenue, not a bank checklist.

We understand project cash flowSlow-paying clients and draw schedules are normal in your industry.

Decisions in hoursDon't lose a job because financing took too long.

Flexible use of fundsSpend it on whatever the project needs most.

Three steps

Pre-qualified today, funded tomorrow

1

Tell us about your business

A few quick questions about your business and sales. No hit to personal credit.

2

Compare your options

See the amount, payment and total cost side by side and choose what works.

3

Get the cash

Sign online and receive funds in your account, usually in under 24 hours.

ConstructionExample
Example

A contractor starts two projects at once

A remodeling company wins a second job but needs materials and a crew before the first project pays out. Capital lets them say yes to both.

Example: $150,000Materials & labor
See what you qualify for

Scenarios are illustrative examples, not actual clients or guaranteed results.

Quick checklist

Have these three things handy

Tax returns aren't needed up front; we'll ask only if your file requires it.

  • Last 4 months of business bank statements
  • Driver's license
  • Voided business check
Pre-Qualify Now
Questions

Questions from contractors and real estate businesses

Can I get funding while waiting on a draw?

Yes. Bridging the gap between progress payments is one of the most common reasons contractors come to us.

Do I need to put up property as collateral?

Most of our working capital options are based on your business revenue rather than real estate collateral.

Can subcontractors apply?

Yes. Subcontractors and specialty trades can apply the same way as general contractors.

How much can I get?

Up to $2,000,000, based mainly on your monthly revenue and time in business.

Will checking my options hurt my credit?

No. Seeing your options does not affect your personal credit score.

Your next busy season starts with one form.

Pre-qualify online in minutes, or call our team at (516) 231-9649.