$10,000 - $500,000 · Funded in 24-48 hours · Revenue-based approval · No collateral required on most products
You do the work. You win the bid. But the money doesn't move as fast as the job does.
GCs and developers pay on net-30, net-60, even net-90 terms. Meanwhile your crew, materials, and subs need to be paid now. That gap kills cash flow on even the best jobs.
Lumber, concrete, steel, roofing materials: suppliers want payment upfront or COD. You're fronting costs weeks before you see a dime from the client.
A down excavator, a blown engine in a work truck, a failed compressor. None of it waits for a convenient time. Downtime costs more than the repair.
We match Texas contractors with the right lender for their specific situation. Not just whoever will approve them.
Cover payroll, materials, and subcontractor costs while waiting on invoice payments. Repay as revenue comes in.
Finance or refinance excavators, trucks, trailers, and heavy machinery. The equipment itself serves as collateral.
Draw only what you need for each job. Repay it, draw again. Perfect for contractors juggling multiple projects.
Fixed monthly payments for planned expansion: hiring crews, buying a yard, or taking on commercial contracts.
Repayments flex with your revenue. Pay more when jobs are active, less in slow months. Built for seasonal contractors.
Lowest rates and longest terms for qualified contractors. Best for major equipment purchases or business acquisition.
Every deal is different. Here’s what funding actually looked like for Texas contractors like you.
Houston concrete contractor won a $410K city paving contract but needed materials cash 45 days before the first draw. Bank said no, two years in business wasn’t enough. We funded the working capital in 28 hours. Job completed, $410K collected.
Commercial framing subcontractor had three GC relationships and more work than his crew could handle. Needed capital to hire 8 more framers and cover payroll float. Revenue-based financing meant payments scaled with incoming draws, no fixed monthly pressure.
Small plumbing and mechanical contractor needed a flexible buffer for material purchases across multiple active jobs. A line of credit let him draw what he needed per job and repay as clients paid out, no lump sum risk.
Banks use criteria built for retailers and offices, not contractors. What they reject you for, and what we actually look at instead.
Banks want 3+ years of established business credit. Most contractors are under that threshold, even when they’re doing great work and banking strong revenue.
Your last 3 months of bank deposits. If revenue is flowing, you qualify, no matter how many years you’ve been running.
Construction slows in winter and surges in spring. Banks see that volatility as risk. They’d rather fund a flat-revenue retailer than a contractor with higher, variable deposits.
Average monthly revenue across recent periods. Seasonal patterns don’t disqualify you. We underwrite around them.
Traditional term loans and SBA products almost always require hard assets. Most contractors rent their yard, lease their equipment, and own nothing a bank will accept as collateral.
Working capital and revenue-based products require zero collateral. Your business cash flow is the collateral.
Most do. Here is exactly what lenders look at, and what they skip.
Most products need at least 6 months of operating history. Equipment financing can go lower because the asset is the collateral.
Average monthly deposits over the last 3 months. Seasonal contractors with a strong summer and slow winter are evaluated on their trailing average, not their worst month.
560 is the floor for most working capital products. Higher scores unlock better rates and higher amounts. Equipment financing can go lower.
3 months of business bank statements. No tax returns or audited financials needed for working capital. Just show revenue flowing through your account.
Full details on every product: See the complete qualification guide →
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your contractor funding options.
We work with contractors throughout the Houston metro. Find your city:
Also serving all of Harris, Fort Bend, Brazoria, Galveston, and Montgomery counties.
Stop turning down contracts because of cash flow. Get the capital to say yes.
Apply Now, Free & Fast ↗Most business owners only know about bank loans and wonder why they get turned down. This free guide covers the options lenders don't advertise.
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