HomeConstruction Funding › Katy, TX

Katy, TX Construction

Construction Business Funding in Katy, TX

Katy leads Greater Houston in new residential construction, with thousands of homes going up annually along I-10 and Grand Parkway. When GC draws lag behind material costs and payroll, we bridge the gap.

0Lender Partners
$500KMax Funding
24-48hAvg Funding Time
560+Min Credit Score
The Reality

Why Katy Contractors Run Out of Cash

The I-10 corridor is one of the busiest construction markets in the country. The cash flow gaps are just as large.

Retainage Held for Months on Subdivision Work

GCs on Katy's large master-planned subdivisions typically hold 5-10% retainage until final completion. On a $300K subcontract, that's $15,000-$30,000 sitting idle for months while your next phase starts.

Materials Due Before Draw Releases

Lumber yards and concrete suppliers in Katy aren't waiting on your GC's draw schedule. They want payment at delivery or on net-15 terms, weeks before you see the money from your client.

Payroll Pressure Between Phases

Framing finishes, rough-in begins, electrical follows. Your crew doesn't stop between phases, but your payments do. Keeping experienced workers on payroll between draw cycles is a constant cash drain.

Funding Options

Capital Built for Katy Construction

Three products that solve the specific cash flow problems Katy contractors face on residential and commercial projects.

Merchant Cash Advance 24 hrs
$10K - $500K

Bridge payroll and materials costs while waiting on draw releases from Katy subdivision GCs. Repaid as revenue comes in, no fixed monthly pressure.

Equipment Financing 3-7 days
$10K - $1M

Finance excavators, concrete mixers, work trucks, and trailers to handle more phases simultaneously. Equipment serves as its own collateral.

Working Capital Line 2-3 days
$10K - $250K

Draw what you need for each project phase. Repay as draws come in. Ideal for contractors juggling multiple active jobs across Katy's busy corridors.

Do You Qualify?

4 Requirements. Most Katy Contractors Already Meet Them.

6+ mo Minimum time in business for most products
$10K+ Average monthly revenue in business bank deposits
560+ Credit score. Revenue matters more for most products.
3 mo Bank statements - the main document lenders review
Apply Now

Get Your Katy Construction Business Funded

Takes 60 seconds. No credit impact. A funding specialist contacts you within 2 business hours.

Step 1 of 3

Tell us about your business

What is your average monthly revenue?
How long have you been in business?
Step 2 of 3

How much funding do you need?

Select a funding range
Step 3 of 3

Almost there. Where should we send your options?

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 Katy construction funding options.

FAQ

Katy Construction Funding Questions

Most Katy contractors use working capital to bridge the gap between material purchases and GC draw releases on large subdivision projects. Others use equipment financing to add trucks and machinery to handle more phases simultaneously.
No. Lenders look at your actual bank deposits, not your receivables. Even if you have retainage tied up, your monthly revenue from completed draws and other jobs is what drives approval.
Both qualify. Subcontractors working Katy's residential corridors along I-10 and Grand Parkway are some of our most common applicants. The requirements are the same: 6+ months in business, $10K+ monthly revenue, and 560+ credit score.

Katy construction moves fast. Your funding should too.

60-second application, no credit impact, specialist callback within 2 hours.

Apply Now. Free & Fast ↗