You've been offering flexible contractor financing to homeowners through Finturf. Meanwhile your business is out here running on tight margins, slow receivables, and whatever the bank felt like offering you last time you asked. That ends now.
Finturf can connect contractors to working capital loans. Fair rates, soft credit pulls, and a process that doesn't waste your time. Loans from $25,000 to $5,000,000. Pre-approval in as little as 24 hours.
A working capital loan is short- to medium-term financing that covers the everyday costs of running your business, keeping your crews working and your jobs moving while receivables catch up to reality. Business working capital loans for contractors are built for exactly that gap between when money goes out and when it comes back in.
Unlike equipment financing (tied to an asset) or a construction loan (tied to a specific project), working capital is flexible. The money goes where you actually need it.
There's no approved line-item list, which is the point. Here's where contractors actually put working capital loans to work:
Your crews show up on Friday expecting a check, not a conversation about when the draw clears. Working capital keeps them on the job.
Lumber, concrete, electrical, plumbing — whatever needs to be on the job site before the invoice clears. Working capital puts what you need on the truck.
The lift you need is available now, but the draw isn't. Working capital lets you rent what the job requires without tying up cash you don't have.
Subs talk to each other. Pay them on time and they show up. Working capital protects your reputation as much as your schedule.
Coverage doesn't pause because a payment is late. Working capital makes sure you're never caught mid-project without it.
Trucks, fuel, maintenance are constant expenses that don’t negotiate. Working capital keeps the fleet moving.
You spend on estimates, blueprints, software, and site visits to win work before you ever see a dollar. Working capital funds the front end of the pipeline.
The gap between project completions is real. Payroll, overhead, and obligations don't pause while you ramp up the next job. Working capital keeps you operational.
The contractors who stay busy don't always have the biggest crews or the best equipment. They have capital ready when the opportunity shows up.
You've already done the hard part of building a business worth funding. Now get the capital to support it.
Loans from $25,000 to $5,000,000. Soft credit pull to get started. Pre-approval in 24 hours.
Working capital structured around how contracting businesses actually operate, not how a bank wishes they did. Transparent terms, no surprises buried in the fine print, and draws typically available within 24 hours of approval.
If you've looked at SBA loans before and walked away because of the timeline, the math just changed. SBA-guaranteed loans up to $5 million, funded in one to two weeks. Use it for vehicles, equipment, expansion, or whatever the business actually needs right now.
No branch visits. No 40-page applications. No waiting weeks to hear back.
Apply Online in Minutes
Fill out the short request form. What you do, what you need, and what you're trying to build. Soft credit pull only, so checking your options won't hurt your score.
Pre-Approved in as Little 24 Hours
Your request connects to Finturf’s network of Commercial Lenders, Credit Unions, and CDFIs who are actively looking to fund contractors. You get real options from institutions that actually want your business, with a dedicated specialist guiding you through the process.
Get Funded
Review your offer, approve your terms, and get capital into your account. Draws available within 24 hours of approval. No runaround, no surprises.
Here's What You'll Need:
Institutions that were literally chartered to fund businesses like yours. Not suits. Not a cash advance shop. Not an algorithm that approves you fast and charges you accordingly.
Credit Unions
As member-owned financial institutions, their job is to serve their members, not extract from them. That's why their rates look the way they do.
Community Development Financial Institutions (CDFIs)
Because they're chartered specifically to fund businesses in working communities and underserved markets, contractors are exactly the kind of business they were built to support.
These aren't lenders of last resort. They're lenders who've been waiting for a better way to reach businesses like yours. Our partnership with GenerEdge and other commercial financing options helps build that bridge.
Most contractors don't have a revenue problem. They have a capital cost problem.
Borrowing at 24% versus 10% can be the difference between a profitable year and a brutal one. That's money that should be going toward your next truck, your next hire, and the jobs you've been turning down because the cash flow wasn't there.
Finturf exists to give contractors an edge. Our waterfall algorithm works because it puts the right homeowner in front of the right lender at the right moment. No friction, more closed deals, better experience.
This is the same idea applied to your business. A smarter network, better rates, and a process that doesn't waste your time. We're in the business of making sure you have every possible advantage.
GCs are cash flow managers who also happen to build things. You're paying subs, ordering materials across multiple trades, managing draws that don't align with your actual costs, and personally guaranteeing performance on jobs that run for months. Working capital keeps the machine running between draws and protects you when a client slow-plays an invoice.
HVAC is seasonal by design, equipment-heavy by necessity, and often involves large upfront costs on commercial jobs. Working capital helps HVAC contractors stock before the season, bridge the gap between installation and payment, and invest in the vehicles and tools needed to grow.
Electrical work often requires significant material investment before a dollar is collected. On commercial jobs especially, payment timelines stretch. Working capital lets electrical contractors keep projects moving and take on larger work without waiting for the previous job to close.
From service calls to full commercial buildouts, plumbers deal with highly variable job sizes and payment timelines. Working capital provides the buffer to handle a large commercial contract without slowing down the residential side of the business.
Roofing is one of the most capital-intensive trades. Materials need to be ordered and staged before a deposit clears. Storm seasons demand rapid scaling. Working capital gives roofing contractors the flexibility to move fast when the work is there.
Flooring, tile, insulation, drywall, glazing, concrete — specialty trades often work as subs on larger projects, which means your payment depends on someone else's timeline. Working capital gives you independence from that dependency and lets you take on more work without waiting on the GC.
The contractors who build lasting businesses aren't always the most skilled ones. They're the ones who figured out how to use capital without giving half their margin back to the lender.
You've got jobs coming in. You've got customers who trust you. You've got a network behind you. The only thing standing between you and better cash flow is pre-approval.
No. A soft credit pull gets the process started, which has no impact on your credit score. You only move forward if you like what you see.
Any contractor actively working within the Finturf network. Sole proprietors, LLCs, S-Corps, incorporated businesses are all eligible.
Loans are available from $25,000 to $5,000,000 depending on your business and what you need the capital for.
Pre-approval usually happens within 24 hours. Full approval in as little as a week, and you can receive funds within 24 hours of full approval.
It depends. Our network includes lenders with varying criteria. Strong revenue, collateral, or a co-signer can offset credit weaknesses in some programs.
Two years of business tax returns, a current interim financial statement, one year of personal tax returns, a recent pay stub, a personal financial statement, a debt schedule, and a completed application. Startups also need a business plan and 24-month projections.
Generally, yes. Interest on business loans used for legitimate business expenses is typically tax deductible. Talk to your CPA. We’re not accountants.
Yes, and it's one of the best use cases. Lenders look at annualized revenue, not just your current month. If you can document strong seasonal performance and show the income to repay, a slow-season bridge is a straightforward ask.
A construction loan finances a specific project and is disbursed in draws as work is completed. A working capital loan finances the operations of your business. Different purposes, different timelines.
A business line of credit works well in theory. Draw what you need, repay it, draw again. But qualifying is harder, approval takes longer, and banks can reduce or freeze your line right when a project ramps up. Working capital financing is faster to get, easier to qualify for, and puts a fixed amount in your account that you can count on. For most contractors dealing with draw schedules, gap periods, and unpredictable expenses, the certainty of working capital wins.
