Funding Solutions for Commercial & Residential Building Trades
Builders Commercial Capital Group (BCCG) provides tailored financing solutions for commercial and residential building trades, with a focused understanding of the cash-flow challenges and capital demands contractors face every day. We specialize in supporting general contractors, construction companies, and specialty subcontractors by offering flexible funding options backed by a strong network of leading banks and finance partners. From mobilizing new projects and managing payroll to purchasing materials, equipment, and covering gaps between progress payments, BCCG delivers fast, accessible capital designed to keep jobs moving and businesses growing. Our contractor-first approach ensures each client receives personalized solutions built around their trade, project cycle, and long-term growth goals.
Revenue-Based Business Loans ($5,000 – $600,000)
This financing option is ideal for general contractors, subcontractors, remodelers, and trade professionals who generate consistent project revenue deposited into their business bank accounts.
How it works:
- Approval based on average bank deposits from the last 3–6 months
- Funding amounts of up to 3x your average monthly deposits
- Repayment structured in fixed daily or weekly payments that align with job cash flow
Best uses for building trades:
- Purchasing lumber, concrete, steel, drywall, and other materials
- Covering payroll and subcontractor payments
- Mobilizing crews for new projects
- Bridging cash flow gaps between progress payments
Why contractors choose this option:
- Fast approval with minimal paperwork
- No collateral required
- Works even with less-than-perfect credit
Funding timeline:
- Funds deposited within 1–2 business days after approval
Business Cash Advances ($5,000 – $600,000)
A business cash advance works well for contractors and trade businesses that accept credit or debit card payments for residential or commercial jobs.
How it works:
- Funding based on credit/debit card processing volume
- Up to 3x average monthly deposits
- Repayment adjusts automatically based on sales volume
Best uses for building trades:
- Emergency material purchases
- Equipment repairs or replacements
- Marketing to win more residential or commercial jobs
- Managing seasonal slowdowns
Key advantages:
- Payments flex with revenue
- Simple qualification requirements
- Quick access to capital
Funding timeline:
- Funds deposited within 1–2 business days after approval
Business Line of Credit ($5,000 – $000,000)
A line of credit provides on-demand working capital for contractors managing multiple jobs at once.
How it works:
- Draw funds as needed, up to an approved limit
- Pay interest only on the amount used
- Credit replenishes as balances are paid down
Best uses for building trades:
- Covering job start-up costs before draws are paid
- Purchasing materials in bulk for better pricing
- Handling unexpected change orders
- Managing payroll during project delays
Why it’s valuable for contractors:
- Flexible and reusable
- Helps smooth uneven cash flow
- Reduces reliance on high-cost short-term financing
Funding timeline:
- Funds available within 1–2 business days after approval
Invoice Factoring ($10,000 – $5,000,000+)
Invoice factoring is especially effective for commercial contractors and subcontractors working with net-30, net-60, or net-90 payment terms.
How it works:
- Receive up to 90% of invoice value upfront
- Factor company collects payment from the GC or property owner
- Remaining balance released after invoice is paid (minus fees)
Example:
- $250,000 commercial invoice, net-60
- Receive up to $225,000 immediately
Best uses for building trades:
- Funding labor and materials on active jobs
- Eliminating cash strain caused by slow-paying GCs
- Taking on larger commercial contracts
Why contractors use factoring:
- Approval based on customer credit, not yours
- No new debt added to your balance sheet
- Improves cash flow predictability
Funding timeline:
- Funds deposited within 1–3 business days after approval
Equipment Financing ($25,000 – $2,500,000+)
Equipment financing helps commercial and residential contractors acquire or upgrade the tools and machinery needed to stay competitive.
Eligible equipment includes:
- Work trucks, vans, and trailers
- Excavators, skid steers, lifts, and loaders
- Power tools and specialty trade equipment
- Computers, estimating software, and office systems
How it works:
- Equipment itself serves as collateral
- Fixed monthly payments with competitive terms
- Ownership or buyout options available
Best uses for building trades:
- Expanding capacity to take on more jobs
- Replacing outdated or unreliable equipment
- Improving job efficiency and safety
Funding timeline:
- Funds paid directly to the equipment vendor within 3–5 business days after approval