Contractor Financing
Contractors—from general contractors and specialty trades to excavation, landscaping, and HVAC—need capital for equipment, working capital, fleet, and materials. Banks often restrict construction lending due to industry risk, project-based revenue, and seasonal cash flow. When traditional sources decline, alternative lenders may evaluate deals based on equipment collateral, revenue, and structure.
Construction is capital-intensive and project-driven. Contractors need excavators, loaders, trucks, materials, and working capital to bid and complete jobs. Banks often decline contractor lending due to industry exposure, project-based revenue, or credit. Equipment dealers' in-house programs may decline buyers who do not fit. Alternative financing fills a gap for deals that may qualify depending on structure, revenue, and collateral.
Brokers, equipment dealers, and advisors routinely encounter contractor clients who were declined elsewhere. The referral partner network evaluates opportunities that may qualify depending on structure, revenue, collateral, and lender guidelines. No approval is promised—each deal is reviewed on its merits. Send declined business loans for evaluation.
Situations where contractor financing is often explored:
Contractor financing may be equipment-backed, fleet-backed, or structured for working capital. Excavators, loaders, trucks, and trailers often serve as collateral, which may allow lenders to consider deals that unsecured programs would decline. A broker or dealer with a signed referral agreement submits the deal. The financing partner evaluates and may match it to lenders with construction programs. The referral partner introduces the opportunity; the financing partner determines fit.
Deals are reviewed based on equipment type, value, revenue, time in business, and credit. What one lender declines, another may consider. Vendors can learn how vendors get paid for referring financing when deals close. Compensation is revenue share on successful placement. Equipment financing for construction structures may apply when heavy equipment secures the transaction.
Excavator purchase declined by dealer. A general contractor needs a new excavator; the dealer's program declined due to credit. The dealer refers the deal to a financing partner. An alternative lender with equipment-backed programs may consider the deal depending on structure and collateral.
Working capital declined by bank. An HVAC contractor has strong backlog but needs capital for materials and payroll. The bank declined due to industry exposure. The contractor's broker submits to a referral partner network. Revenue-based structures may create options.
Fleet expansion for landscaping company. A landscaping company needs additional trucks and trailers. The bank declined. The company's CPA refers to a financing partner. Equipment and fleet financing may create options. Send declined business loans for review. Review the referral agreement before submitting.
Contractors use alternative financing when banks or dealer programs decline. Brokers use it when construction deals fall outside their primary programs. Heavy equipment and truck dealers use it when in-house financing says no—and they can earn revenue share when deals close. The common thread: a need for evaluation beyond the first lender's box.
This is not a guarantee. It is an additional path to explore. Send declined business loans and hard-to-place business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower, trade type, equipment details, and request by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
Contractors may need equipment financing for excavators, loaders, and tools; working capital for materials and payroll; fleet financing for trucks and trailers; or bonding support. Approval depends on deal structure, revenue, and lender guidelines.
Banks may decline due to industry risk, project-based revenue, seasonal cash flow, or credit. Alternative lenders may evaluate contractor deals differently based on equipment collateral, revenue, and structure.
Brokers with a signed referral agreement can submit contractor deals for evaluation. The financing partner reviews and may match to lenders with construction programs. Compensation is typically revenue share when a deal closes.
Yes. Construction and heavy equipment dealers who refer buyers declined by in-house programs may receive revenue share when deals close. Learn more about vendor referral compensation.
Referral partners can send declined business loans for evaluation. Review the referral agreement before submitting.
Credit requirements vary by lender. Equipment-backed or revenue-based structures may consider borrowers with lower credit when other factors are strong. Approval is not guaranteed—each deal is evaluated on its merits.
Have a declined deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
