Business Line of Credit
Revolving access to capital. Draw for materials, repay when progress payments arrive. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring materials, payroll
WESTVALVE FINANCIAL • WORKING CAPITAL FOR CONSTRUCTION
Working Capital for Construction.
Lines of credit, mobilization funding, fuel advances, factoring, retainage financing — payroll, materials, mobilization, insurance, permits. Fast funding for construction firms.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALCONSTRUCTION WC
FUNDING IN 24-48 HOURS
Capital that keeps projects moving.
Payroll. Materials. Mobilization. Insurance. Permits. The gap between paying suppliers and collecting from owners/GCs. We help construction companies access the capital that keeps projects on schedule.
WORKING CAPITAL FOR CONSTRUCTION
Capital for project cash flow.
Construction has unique cash flow cycles — mobilize upfront, pay 30-90 days later, retainage held until completion. We help you access the right product for your project cycle.
Mobilization Funding
Advance against contract value for startup costs. Mobilization, bonds, insurance, permits.
- Up to 10-15% of contract value
- 3-5 business days
- Repaid from early progress payments
- Best for: project startup costs
Construction Factoring
Sell invoices, get paid same day. Non-recourse protects against owner/GC default.
- 1-5% discount fee
- Same-day funding
- Non-recourse available
- Best for: 30-90 day payment terms
Retainage Financing
Unlock held retainage (5-10%) before project completion. Specialized construction product.
- Up to 90% of retainage
- Released at substantial completion
- Non-recourse available
- Best for: unlocking held funds
WHY CONSTRUCTION CHOOSES US
We understand construction cash flow.
01
Mobilization First, Pay Later
Mobilization funding covers bonds, insurance, permits, startup costs. Repaid from early progress payments.
02
Materials & Payroll Covered
Line of credit for weekly payroll, weekly material deliveries. Revolving = always available.
03
Factoring = Same-Day Cash
Sell the invoice, get paid today. Non-recourse protects you if the GC/owner doesn't pay.
04
Retainage Unlocked Early
Unlock 5-10% retainage at substantial completion. Don't wait for final punch list.
MOBILIZATION & FACTORING
Specialized products for construction cash flow.
Mobilization Funding
Advance on contract value for startup costs. Bonds, insurance, permits, mobilization.
- Up to 10-15% of contract
- 3-5 business days
- Repaid from early draws
- Best for: project startup
Construction Factoring
Sell invoices, get paid today. Non-recourse protects against GC/owner default.
- 1-5% discount fee
- Same-day funding
- Non-recourse available
- Best for: 30-90 day terms
Retainage Financing
Unlock 5-10% retainage at substantial completion. Don't wait for final punch list.
- Up to 90% of retainage
- Released at substantial completion
- Non-recourse available
- Best for: unlocking held funds
Fuel Advances
Advance on pending invoices specifically for fuel. Same-day funding.
- Up to 90% of invoice value
- Same-day funding
- Fee: 1-3% per advance
- Best for: daily fleet fuel
PROJECT CYCLE MATCHING
We match the product to your project cycle.
01
Pre-Construction (Mobilization)
Mobilization funding for bonds, insurance, permits, permits. Repaid from first draw.
02
Active Construction (Weekly)
Line of credit for payroll, materials, fuel. Revolving = always available.
03
Progress Billing (Monthly)
Factoring converts progress invoices to cash same day. Non-recourse = no GC risk.
04
Closeout (Retainage)
Retainage financing unlocks 5-10% at substantial completion. Don't wait for punch list.
GET STARTED
Let's keep your projects on schedule.
Tell us about your contract, backlog, and cash flow cycle. We'll match you with providers who specialize in construction.
FAQ
Questions about construction working capital.
Can construction companies get working capital loans?
Yes. Construction is eligible for all working capital products — lines of credit, mobilization funding, fuel advances, factoring, retainage financing, and SBA working capital. Lenders understand construction payment cycles (30-90 days, retainage). We work with providers who specialize in construction financing.
What's the best working capital option for mobilization costs?
Mobilization funding or a business line of credit. Mobilization funding advances against the contract value specifically for startup costs (mobilization, bonds, insurance, permits). A line of credit lets you draw for mobilization and repay as progress payments come in. Both scale with your contract value.
Can construction companies use factoring for working capital?
Yes. Construction factoring is common — sell invoices at a 1-5% discount, get paid same day. Non-recourse factoring protects you if the GC/owner doesn't pay. Retainage financing is also available to unlock held retainage. We work with factoring companies that specialize in construction.
How fast can a construction company get working capital?
Mobilization funding: 3-5 business days. Fuel advances: same day. Factoring: same day. Revenue-based financing: 24-48 hours. Business line of credit: 3-10 business days. SBA working capital: 30-90 days. Speed depends on the product and documentation readiness.
What credit score do construction companies need for working capital?
Alternative working capital: 500+ credit score. Business line of credit: 600+. Factoring: based on customer credit, not yours. SBA working capital: 680+. Strong contract backlog and fleet value can offset lower scores.
Can construction companies use working capital for retainage?
Yes. Retainage financing unlocks held retainage (typically 5-10% of contract value) before project completion. This is a specialized construction financing product. We work with providers who specialize in retainage financing for contractors.