Contractor Funding — Capital for Every Job You Win
Winning the contract is just the beginning. Contractors need capital to cover materials, labor, and overhead while waiting for payment. We connect you with funding that keeps your jobs moving and your business profitable.
Contractors live job to job, and every new contract comes with a capital requirement that arrives before the first invoice. Whether you're a plumber stocking for a commercial buildout, an electrician wiring a new development, or a general contractor managing multiple crews, the float between job start and customer payment can squeeze even the best-run businesses.
Tesni Capital connects contractor businesses with lending partners who understand the trades. We match you with funding solutions that align with how you work — whether that's a revolving line of credit that replenishes as you complete jobs, a term loan to fund a large upcoming project, or invoice factoring to accelerate payment on completed work.
Contractor funding can cover materials before work begins, bridge the gap between progress payments, cover payroll for crews during slow collection periods, fund equipment purchases or rentals needed for specific projects, or provide general working capital during your growth phase. Our lending partners are experienced with the cash flow patterns of contracting businesses and structure their products accordingly.
Many of our clients have signed contracts that represent strong future revenue, even if their current bank balance doesn't reflect it. Lenders who work with contractors understand this disconnect and are positioned to fund against your backlog. Apply online in minutes or call (281) 653-6760 to discuss your upcoming project pipeline.
Do You Qualify?
All credit profiles considered — options available for scores under 650. While some programs require stronger credit, we also offer private lending options that are revenue-driven, not credit-score driven. Businesses with scores under 650 may still qualify.
Frequently Asked Questions
What trades does contractor funding serve?
All trades qualify: HVAC, electrical, plumbing, roofing, painting, flooring, landscaping, concrete, framing, insulation, and every other specialty trade — residential and commercial.
Can I get funded for a specific project?
Yes. Project-specific funding is common for contractors with large upcoming jobs. Having a signed contract strengthens your application and may support a larger funding amount tied to that project's value.
How does invoice factoring help contractors?
Invoice factoring lets you sell completed invoices to a factoring company and receive most of the payment immediately — eliminating the 30–90 day wait. This is especially valuable for commercial contractors working with slow-paying GCs or municipal clients.
What if my business is seasonal?
Many contracting businesses are seasonal. Lenders who work with contractors understand this pattern and can structure funding accordingly, including seasonal payment schedules that align with your revenue cycle.
Can I get a line of credit as a contractor?
Yes. A revolving line of credit is often the ideal structure for contractors because it provides ongoing access to capital as you draw and repay — matching the continuous flow of projects in a contracting business.
Related Funding Solutions
Ready to Fund Your Next Contract?
Apply in minutes. Get capital that keeps your jobs moving and your business growing.