Mobilization before money
You front payroll, materials, and equipment for weeks before the first draw clears. That upfront burden caps the size of jobs you can responsibly bid.
Industries we serve
Capital that keeps the job moving.
From mobilization costs to the long wait on progress payments, construction runs on cash you have not collected yet. We bridge that gap so you can take on bigger contracts with confidence.
The challenges
What makes construction funding different
We have funded enough construction businesses to know exactly where the cash-flow pressure points are.
Slow progress payments
Net-30, 60, even 90-day pay cycles from GCs and owners leave your cash tied up in receivables while bills keep coming.
Retainage held back
5% to 10% of every invoice sits in retainage until project close — real margin you cannot touch when you need working capital most.
Equipment that breaks at the worst time
A failed excavator or truck can stall an entire crew. Replacing it shouldn't drain the reserves you need for the next bid.
Funding solutions
Funding solutions for construction
Based on how construction businesses actually operate, these are the products our advisors recommend most.
By the numbers
The construction reality
40%
of contractor cash is tied up in receivables and retainage at any time
$250K+
in materials and labor fronted on a typical mid-size project
48 hrs
typical funding speed once your file is approved
In their words
A construction owner like you
“We had three jobs starting the same month and not enough cash to mobilize all of them. Solstice factored our open invoices and we had the crews on site within the week — we did not turn down a single contract that quarter.”
Eligibility
Do you qualify?
Construction businesses with 6+ months of operating history, $15,000+ in monthly revenue, and a 500+ credit score are encouraged to apply. Approval also considers your receivables and the strength of your contracts.
- 6+ months in business. Enough history to show us how you operate.
- $15,000+ in monthly revenue. Steady revenue is what we care about most.
- 500+ credit score. We weigh the full picture, not a single number.
Capital built for construction.
Apply in five minutes and talk to an advisor who understands your trade.