$10,000 – $500,000 · Funded in 24–48 hours · Cover paint and supplies upfront · Keep crews working between commercial payment cycles
Commercial contracts pay well. They just don't pay fast. Paint, primer, and payroll all come due before the GC sends a check.
Commercial painting jobs require thousands in paint, primer, and equipment before the first draw. GCs pay net-30 or net-60. Your suppliers don't. That timing gap is where most painting contractors run into trouble.
Getting from 2 to 5 crews means more vans, more sprayers, more ladders, and more payroll. You can have the backlog to justify it and still not have the cash to make the jump.
Residential painting pays within days. Commercial contracts can string out 60–90 days. If your business is shifting toward commercial, your cash flow looks worse even though your revenue is growing.
We match Texas painting contractors with the right product for their situation, whether you need to bridge a gap between commercial draws or add a crew.
Cover paint, supplies, and payroll while commercial payment cycles run their course. Fixed daily or weekly payments based on revenue, not collateral.
Fast cash when a commercial job starts Monday and the supply order is due Friday. Repaid as a percentage of revenue so payments flex with your deposits.
Airless sprayers, scaffolding, lifts, and work vans financed without touching your operating capital. The equipment serves as collateral.
Draw for supply purchases at the start of each job, pay back when the invoice clears. Revolving access so you don't have to re-apply for every project.
Repayment adjusts with revenue so slow stretches between jobs don't create fixed payment pressure. Payments are higher when deposits are up, lower when they're down.
Most painting contractors qualify. These are the four factors lenders actually look at.
Three Texas painting contractors, three different situations. Here is what the funding looked like.
A commercial painting contractor in Houston had back-to-back office building contracts totaling 180,000 sq ft. The GC required net-45 payment terms. Owner needed to cover $55,000 in paint and primer plus 6 weeks of crew payroll before the first draw. Funded in 2 days.
A painting company in Pearland expanded from 2 to 4 crews and needed two additional airless sprayer setups and a second work van. Equipment financing closed in 5 days and kept the working capital line intact for material purchases.
A residential painting contractor in Humble had a 3-week gap between finishing one commercial contract and starting the next. Payroll and insurance came due during that window. The MCA covered the bridge, repaid automatically once the next job started.
Banks have a short list of reasons to say no to trade contractors. Here is what they flag and what we look at instead.
Banks see gaps between deposits and flag the pattern as unstable, even when your overall revenue is strong and growing.
Project-based revenue is normal for contractors. We look at trailing 3-month averages, not just the current month. A solid revenue history qualifies even if deposits don't come in evenly.
Banks want real property or equipment with clear title. Painting businesses typically hold sprayers and vans, not real estate.
Working capital and MCA products don't require collateral. Revenue is the security. Equipment financing uses the equipment itself. No property needed.
Most bank products require at least 2 years of tax returns. A painting contractor doing $25K a month in year one has no access to that capital.
Most products work at 6 months in business. You don't need two years of tax returns for a working capital advance or MCA. Bank statements from the last 3 months are enough to get started.
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 painting contractor funding options.
Takes 60 seconds. No cost to apply.
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