— Construction contractor funding
Funding That Moves With Your Draw Schedule
You carry the crew, the subs, and the materials for weeks before each draw releases. Zip helps construction businesses keep the job moving between payments.
$400M+
Funded
6,700+
Businesses
Since 2013
Serving business owners
01 — Between draws
Why construction contractor funding?
Every job you run is financed on your balance sheet before it is financed on anyone else’s. Four places that shows up.
Funding the job between draws
You put labor and materials into the work for weeks, submit the pay app, then wait on review and release. The job keeps going the whole time — and so does everything it costs.
Paying subs and suppliers first
Your framers, your concrete guy and the lumberyard all come due on their terms, not the owner’s. Pay them late once and you find out how fast good subs get busy elsewhere.
Retainage across the project
A percentage of every approved invoice sits with the owner until final completion. Across a whole project that is real margin, locked up while the next one needs starting.
Mobilization and bonding costs
Before a single invoice goes out you are paying for site setup, temporary power, permits, bonding and the first material orders. The job costs money to start, not just to build.
02 — Common uses
Common funding uses in construction
Materials and supplies for active projects
Capital to keep lumber, concrete, steel and finishes flowing to the jobs already underway.
Bridging payroll and subcontractor payments
Funding to cover crews and trades between draw releases so nobody waits on the owner.
Covering retainage and mobilization costs
Capital that stands in for held-back margin and funds the outlay to get a job started.
Equipment purchases and rentals
Funding for the lift, the excavator or the rental package a specific job requires.
Taking on larger or concurrent projects
Capital to run two or three jobs at once instead of finishing one before bidding the next.
If your business is specifically a general contractor an HVAC contractor, a plumbing business, or an electrical contractor, those trades have their own pages written to how their work and receivables actually run.
03 — How it works
How it works
01
See if you qualify
A short set of questions about your construction business — straightforward, and no obligation to move forward.
02
Talk to a specialist
One person reviews your situation and walks you through the funding options that fit how your projects, draws and retainage actually run.
03
Access your funding
Once approved, funds are made available to put to work — materials, payroll, subs, equipment, or the next project.
Typical minimum: $10K+ in monthly business deposits. That’s a general starting point for fit rather than an automatic qualification — Zip works with established construction businesses, and every business is reviewed individually.
04 — Proof
What owners say
Business owners rate working with a Zip specialist across every trade we serve.
$400M+ funded across 6,700+ businesses since 2013 — one specialist to a file, start to finish.
08 — FAQ
Construction contractor funding FAQ
On this page
How do general contractors finance projects between draws?
Most established construction businesses use working capital to carry labor, materials and subcontractor costs through each billing period rather than funding it all out of the operating account. Zip helps you access funding you can put to work on an active project and repay as the draws release, so the schedule is set by the work rather than by the payment cycle.
Can I get funding to pay subcontractors before I’m paid?
Yes — that sequence is one of the most common reasons contractors come to us. Subs and suppliers come due on their terms while the owner or GC pays on theirs, and the gap in between is a timing problem rather than a revenue problem. Funding can cover those obligations so your trades stay on your jobs and your vendor pricing holds.
How much funding can a construction business qualify for?
Funding is available from $10,000 up to $1 million. The $1 million figure is the ceiling of the range rather than a typical amount — the actual amount available depends on your business and its qualification, and it’s set with your specialist rather than quoted as a single number.
Do I need perfect credit?
No. Credit is one part of the picture, not the whole of it. A specialist reviews how your construction business actually performs — deposit history, your project mix, how draws and retainage move through the books — rather than reducing your file to a single score.
What can the funds be used for?
Operating needs across the business: materials and supplies for active projects, payroll and subcontractor payments between draws, retainage and mobilization costs, equipment purchases and rentals for a job, and the outlay required to take on larger or concurrent projects. Your specialist walks through your intended use with you.
Don't let the next draw set your schedule
Crew on site, subs waiting, materials ordered, and the progress payment still in review. Keep the job moving between draws — and take the next contract without waiting on this one to close.
No obligation · Your information is encrypted and never sold