Construction funding in California.
Shim Capital funds general contractors, subs and builders across California with $25,000 to $5,000,000 in working capital — approvals in as little as 24 hours, no collateral, all credit welcome. Put it toward payroll between draws, materials up front, equipment and bonding.
Apply for California Funding →Funding options for California construction businesses
Whether you run a construction business in a major California metro or a small town, we structure the deal around your revenue — not a rigid bank checklist. One 2-minute application puts the whole market to work for you.
Why California construction businesses choose Shim Capital
- Speed when California needs it. Same-day decisions and funding so you never miss payroll, a bulk-inventory discount, or a time-sensitive job.
- Built around cash flow, not just credit. We look at how your California business actually earns — steady deposits beat a perfect FICO every time.
- Every product, one application. SBA, lines of credit, term loans, bridge and revenue-based funding — we match you to what fits, not what pays us most.
Get your California business funded
Apply in 2 minutes · Approvals in as little as 24 hours · No collateral · All credit welcome
Get My Funding →Frequently asked questions
How much funding can a California construction business get?
Shim Capital arranges $25,000 to $5,000,000 for construction businesses in California, sized to your monthly revenue — typically 50% to 150% of a month's deposits.
How fast can I get funded in California?
Approvals come in as little as 24 hours and funding can hit the same day once your last 3–4 months of bank statements are in.
Do I need collateral or perfect credit?
No collateral, and all credit is welcome. We underwrite on your business's revenue and deposit history first.
What can California construction businesses use the funding for?
Whatever moves the business forward — payroll between draws, materials up front, equipment and bonding. It's flexible working capital with no usage restrictions.