The draw schedule problem
Commercial work pays well and pays late. Retainage holds back a slice of every invoice. Change orders get approved before they get paid. Meanwhile you are buying material and making payroll every week. Banks see lumpy deposits and say no. A revenue-based review reads those same deposits as a working company.
About the "same-day" search
You will not see us promise same-day money. What you get is a fast decision and funding in as little as 24 hours for qualified files. If a faster turnaround happens, it depends on your file and your bank.
Who this page is for
Electrical, mechanical, plumbing, concrete, site work, roofing and interior build-out firms doing commercial jobs: offices, retail, warehouses, municipal. Residential remodelers face real cash-flow swings too, but this page is focused on commercial work and we do not promise funding for remodeling outfits.
Tools for the gap
- Working capital for payroll and material between draws
- Line of credit to draw only when a job needs it
- Equipment financing for a skid steer, lift or trailer
- Contract funding to mobilize a larger job
Example: an HVAC subcontractor
For illustration: a mechanical sub doing $180K a month is carrying $95K in retainage across three projects. A new tenant build-out needs units ordered now. The owner sends three months of statements, gets an answer fast, and covers the equipment order so the schedule holds. Repayment comes from ongoing revenue, not one specific check.
Get your file ready
The fastest files are the cleanest ones. Before you apply, make sure progress payments are deposited into the business account, not moved around between personal accounts. Have a short list of your active commercial projects and who you are waiting on. Know what you need the money for and roughly how long until the next big draw lands. That way the request matches the gap and repayment fits the revenue you already have, not revenue you are hoping for.
How to apply
Five minutes, a soft credit pull to start, and about three months of business bank statements. No tax returns. FICO 500+ considered. Sole proprietors can apply. Funding from $25,000 to $5,000,000 is provided through our partner Merchant Fund Express. Apply now. Credit repair at Lucky Credit Pros is a separate service and not required.
Frequently asked questions
Does retainage count against me?
Reviewers mainly look at actual deposits. Retainage you have not collected yet will not show up, so your statements should reflect steady payments on current work.
Do I need a bonding line or surety relationship?
No. This review is based on bank statements, not bonding capacity.
Can I fund a residential remodel with this?
This page covers commercial work. We do not promise funding for residential remodeling businesses.
What if my deposits are lumpy?
That is normal in construction. Three months of statements show the pattern, and a line of credit can suit uneven draws.
Will this help my credit score?
No. Funding and credit repair are separate. Funding does not change your score.
Can I apply while I am waiting on a change order payment?
Yes. Pending change orders are a common reason contractors apply. The review still looks at what has already been deposited.