Capital for your next job site — Trade Contractor Financing
We connect independent trade contractors and small construction firms with lenders specializing in equipment leases, bridge loans, and payroll stabilization.
Soft credit inquiries only. Your credit score remains untouched.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Heavy equipment lease
- Bridge loan
- Payroll stabilization
- Equipment financing
- Invoice factoring
- Project mobilization
- Machinery acquisition
- Working capital
Financial services and equipment financing for independent trade contractors
Financing options matched to your situation, in one place.
- Equipment Heavy machinery financing Finance excavators, pavers, or cranes with terms aligned to project life cycles.
- Bridge Short term bridge loans Secure capital to cover costs while waiting on slow-paying general contractors.
- Payroll Labor stabilization Cover crew payroll during off-season gaps or when project timelines shift.
- Line Construction line of credit Access revolving funds to purchase supplies without depleting cash reserves.
- $10K–$1M Funding range
- 24–72 hours Average approval time
- 1 soft pull Credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry expertise
- Lenders who understand seasonal construction revenue patterns.
- Flexible options that look beyond generic credit scores.
Speed to site
- Digitized applications reduce paperwork by 80 percent.
- Rapid funding windows to ensure equipment is ready for day one.
No upfront fees
- We collect a commission from lenders, not from you.
- Never pay for an inquiry or an initial review of your file.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Insufficient credit history
Big banks often reject contractors with thin files or recent credit fluctuations.
Seasonal cash flow
Traditional lenders dislike the peaks and valleys typical of construction revenue.
Collateral questions
Standard commercial loans require real estate assets that many shops lack.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Electrical subcontractor
Purchasing specialized cable pulling and trenching equipment for a commercial job.
General contractor
Covering payroll for two months while waiting for payment on three completed builds.
HVAC install firm
Emergency repair and upgrade of primary work trucks to keep service routes active.
Concrete specialist
Short-term supply purchase for an unexpected rush project in the spring season.
Need commercial insurance instead?
While we specialize in equipment financing, our partners can also help secure liability and property coverage tailored for construction business risks.