Capital tuned to how construction actually run.
- Bridge AR while waiting on progress draws and holdback releases
- Mobilize a new job — bond premiums, materials deposits, first-week payroll
- Buy or refinance heavy equipment, lifts, and trucks
- Cover payroll across multiple crews during a slow billing cycle
- Refinance higher-cost MCAs into a clean term loan or line of credit
Products built for construction.
The shapes of capital most construction use — and why each one fits.
Line of Credit
Draw to mobilize a job, repay as the first draw lands. The shape most contractors should have on day one.
Learn more →Invoice Financing
Advance against approved invoices instead of waiting 30, 60, or 90 days on a slow-paying GC.
Learn more →Term Loan
Buy equipment, finance a shop expansion, or refinance expensive short-term debt into a fixed-rate term.
Learn more →SBA Loan
Longest term and lowest cost for owners financing a yard, fleet, or acquisition.
Learn more →“We mobilized a $1.2M job on a Friday and didn't want to chase a bank for three weeks. The line of credit landed in two days and we covered the first draw and labour ourselves.”
Three steps from application to funded.
Apply in 3 minutes
Soft credit pull only. Connect your bank or upload statements — no impact to your score.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Funded fast
Sign electronically and funds typically land in 24 to 48 hours of acceptance.
Construction financing — common questions.
Do I need to be bonded to qualify?+
No. Bonding capacity is helpful context but not a requirement for most products. Some lenders weight it for larger lines, but Thrivewell underwrites on cash flow first.
How are progress draws treated in underwriting?+
AR aging tied to progress draws counts toward working capital. We look at the GC paying, the contract structure, and your historical conversion of AR to cash.
Can I finance equipment with this?+
Yes. Equipment can be financed through a term loan, an equipment-specific facility, or by drawing on a line of credit. We compare structures before you commit.
How long does it take to fund?+
For most working-capital products, 24 to 48 hours from application to funded. Larger SBA-backed deals take 30 to 90 days, with shorter bridges available.
Will a UCC filing affect my bonding?+
A small operational UCC filing is standard and usually doesn't affect bonding capacity. Larger blanket filings can — we flag it before you sign and structure around it where needed.
Other industries we fund.
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.