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Texas Contractor Funding

Capital Built for
Texas Contractors

$10,000 – $500,000 · Funded in 24–48 hours · Revenue-based approval · No collateral required on most products

0 Capital Deployed
0 Contractors Funded
24–48h Avg Funding Time
580+ Min Credit Score
We Get It

The Cash Flow Gaps Every Contractor Knows

You do the work. You win the bid. But the money doesn't move as fast as the job does.

Waiting on Invoice Payments

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.

Materials Needed Before the Job Starts

Lumber, concrete, steel, roofing materials — suppliers want payment upfront or COD. You're fronting costs weeks before you see a dime from the client.

Equipment Breakdown at the Worst Time

A down excavator, a blown engine in a work truck, a failed compressor — these don't wait for a convenient time. Downtime costs more than the repair.

Funding Options

The Right Capital for Every Job

We match Texas contractors with the right lender for their specific situation — not just whoever will approve them.

Working Capital 24–48 hrs
$10K$500K

Cover payroll, materials, and subcontractor costs while waiting on invoice payments. Repay as revenue comes in.

Equipment Financing 3–7 days
$10K$1M

Finance or refinance excavators, trucks, trailers, and heavy machinery. The equipment itself serves as collateral.

Business Line of Credit 2–3 days
$10K$250K

Draw only what you need for each job. Repay it, draw again. Perfect for contractors juggling multiple projects.

Term Loan 2–5 days
$25K$500K

Fixed monthly payments for planned expansion — hiring crews, buying a yard, or taking on commercial contracts.

Revenue-Based Financing 24–48 hrs
$5K$250K

Repayments flex with your revenue — pay more when jobs are active, less in slow months. Built for seasonal contractors.

SBA Loan 2–4 weeks
$50K$5M

Lowest rates and longest terms for qualified contractors. Best for major equipment purchases or business acquisition.

Apply Now

Check Your Options in 60 Seconds

No hard credit pull. A funding specialist follows up within 2 business hours.

No credit impact 256-bit encrypted Zero fees — ever

Application Received!

A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your contractor funding options.

FAQ

Contractor Funding Questions

No. Most of our working capital and revenue-based funding products are unsecured — meaning no equipment or property collateral is required. Equipment financing is the exception, where the equipment itself is the collateral.
Yes. Sole proprietors, LLCs, S-Corps, and subcontractors all qualify as long as you have at least 6 months of business history and can show consistent monthly revenue through bank statements.
Lenders primarily look at your average monthly bank deposits (revenue), time in business, and credit score. They understand contractor cash flow is lumpy — large deposits followed by gaps. Your 3-month average is what matters most.
It's possible but harder. Lenders evaluate your trailing 3 months. If you're between jobs, they'll still look at your 3-month average. The best time to apply is when revenue is strong — not when you're desperate.
Working capital and MCAs fund in 24–48 hours of approval. Equipment financing takes 3–7 days. SBA loans take 2–4 weeks but offer the lowest rates. We'll tell you exactly which product fits your timeline.

Ready to Take on Bigger Jobs?

Stop turning down contracts because of cash flow. Get the capital to say yes.

Apply Now — Free & Fast ↗