Funding for construction & contracting, built around your cash flow.
Shim Capital gets general contractors, subs and builders $25,000 to $5,000,000 in working capital — fast, flexible, and structured around how your business actually earns. Use it for payroll between draws, materials up front, equipment and bonding.
See What You Qualify For →Every kind of capital, one quick application
Most lenders push one product. We structure across the whole market and match general contractors, subs and builders to what actually fits — then move fast.
How funding works for construction & contracting
Contractors front payroll, materials, and equipment between draws — and one slow-paying GC can stall the whole operation. We fund on your revenue so you can make payroll, buy materials, and bond bigger jobs without waiting on the next draw.
What contractors use it for
Payroll between draws, materials up front, equipment and tools, bonding larger contracts, mobilizing on a new job, or bridging slow-paying receivables.
Why it fits
24-hour approvals, no collateral, revenue-based repayment. $25,000 to $5,000,000.
Ready to fund your construction business?
Apply in 2 minutes · Approvals in as little as 24 hours · No collateral · All credit welcome
Get My Funding →Construction & Contracting funding by state
We fund general contractors, subs and builders nationwide. Find your state:
Frequently asked questions
How much funding can a construction business get?
Shim Capital arranges $25,000 to $5,000,000 for general contractors, subs and builders, sized to your monthly revenue and cash flow — most offers land between 50% and 150% of a typical month's deposits.
How fast is approval?
Approvals come in as little as 24 hours, and funds can reach your account the same day once your last 3–4 months of business bank statements are in.
Do I need good credit or collateral?
No collateral required, and all credit is welcome. We underwrite primarily on your business's revenue and deposit history — not just a FICO score.