$10,000 - $500,000 · Funded in 24-48 hours · Cover materials upfront · Bridge slow months between commercial jobs
Commercial GCs pay in 30-60 days. Materials go out the door on day one. That gap is where electrical businesses stall.
Electrical jobs require wire, conduit, panels, and breakers up front. Commercial GCs pay in 30-60 days. That gap eats into payroll and kills your ability to take on the next job.
Service vans, wire pulls, conduit benders, panel testers, and specialty tools run $15,000-$80,000. You can't bid commercial work without them, but waiting to save up means passing on jobs.
General contractors routinely hold 5-10% retainage until punch-list completion, sometimes 90+ days after your crew wraps. That money sits in their account while your bills keep coming.
We match Texas electrical contractors with the right product for their situation, whether you need materials today or equipment for the next big bid.
Covers materials, payroll, and overhead between commercial payment cycles. Fixed daily or weekly payments based on your revenue.
Fast cash for material purchases when a job needs to start this week. Repaid as a percentage of daily revenue so payments flex with your cash flow.
Service vans, tools, wire pulls, and testing equipment without draining cash reserves. The equipment serves as collateral.
Draw what you need for materials on each job, pay back as payments come in. Reusable capacity that grows with your business.
Repayment scales with revenue, so slow months are not a crunch. Built for electrical contractors whose work comes in project phases.
Most electrical contractors qualify. These are the four factors lenders actually weigh.
Three Texas electrical contractors, three different problems, three funding solutions.
A 12-person electrical crew in Katy landed a 40,000 sq ft commercial buildout. The GC required net-60 payment terms and 10% retainage. The owner needed cash to cover 8 weeks of payroll and materials before the first draw. Funded in 36 hours.
A residential electrician in Pasadena needed two new service vans and a full set of commercial tools to start bidding panel upgrade contracts. Equipment financing covered the purchase with the equipment as collateral. No property required.
An electrical sub in League City had three jobs starting the same week, each requiring $8,000-$12,000 in materials up front. The MCA funded in 24 hours, materials were ordered that afternoon, and all three jobs started on schedule.
Banks see construction cycles and retainage and find reasons to say no. Here is what they flag and what we look at instead.
Electrical revenue spikes around commercial construction phases. Banks see variation and flag it as risk, even when the underlying work is steady.
We compare trailing averages and peak months, not just the slow ones. Most electrical contractors show 40-80% of revenue in 6-month bursts. That is normal, not a red flag.
Banks want real estate or major equipment as collateral. Most electrical contractors don't own a building and carry tools, not machinery worth hundreds of thousands.
Working capital and MCA products don't require collateral. Your revenue history is the security. Equipment financing uses the equipment itself, so no property needed.
Bank underwriting for small business loans typically starts at 680 personal credit. Most working electricians fall below that line even when their business is healthy.
Most electrical contractor funding works at 560+. Some MCA products approve at 530 if revenue is consistent. Your credit score matters less than your last 90 days of bank statements.
Four basic requirements. If you meet them, we can find you options today.
Minimum operating history for most products
Shown through business bank deposits
Revenue matters more than credit for most products
3 months of statements for underwriting
Takes 60 seconds. No credit impact. A funding specialist contacts you within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your electrical business funding options.
We fund electrical contractors and companies in every Houston suburb and surrounding city.
Electrician business funding in Katy TX
Sugar LandCapital for Sugar Land electrical contractors
CypressFast funding for Cypress electrical companies
The WoodlandsElectrician capital in The Woodlands area
PearlandFunding for Pearland electrical contractors
League CityLeague City electrician working capital
HumbleHumble TX electrical contractor loans
PasadenaPasadena electrician funding solutions
We fund electrical businesses in every major Houston suburb. Click your area for a page built specifically for electrical operators in that market.
We fund electrical businesses in every major Houston suburb. Click your area for a page built specifically for electrical operators in that market.
Takes 60 seconds. No cost to apply.
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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