Capital for your next project — Construction Capital
We connect independent contractors with lenders for equipment leases, payroll gaps, and machinery upgrades without damaging your personal credit score.
Soft inquiry only. Does not affect your credit report.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Utilization rate
- Equipment age
- Lien position
- Project backlog
- Draw schedule
- Fleet age
- Working capital
- Collateral value
Construction contractor business financing and equipment leasing
Financing options matched to your situation, in one place.
- Equipment Machinery leasing Get new or used gear for site operations with flexible lease terms.
- Capital Project cash flow Short term capital to bridge payroll gaps between project draws.
- Fleet Vehicle financing Secure commercial trucks and vans for your job site logistics.
- Factoring Invoice financing Turn unpaid project invoices into immediate cash for business expenses.
- $10K–$500K Funding amount range
- 24–48 hours Approval turnaround
- 1 soft pull Credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry expertise
- Partners understand project-based revenue cycles.
- We match you with lenders who know heavy machinery value.
Transparent process
- You see all terms before you sign a formal application.
- Our platform does not charge you any broker fees.
Credit protection
- All initial offers are generated via a soft credit check.
- Your personal credit score stays locked during discovery.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Asset age limits
Banks often reject older equipment due to high depreciation risk.
Project based gaps
Traditional banks dislike the lumpy income of independent contracting.
Recent credit slips
A single late payment can trigger an automatic denial at big banks.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Concrete sub
Purchase of a new skid steer for a commercial project
General Contractor
Covering payroll during a 60 day draw delay
Electrical Contractor
Outfitting three new service vans with racks
Excavation Firm
Buying a used excavator after a large project win
Managing your equipment assets
Learn how to balance depreciation against project revenue. Our guide breaks down the tax advantages of leasing versus buying heavy machinery for your 2026 operations.