Get Up to $1M as Fast as 24 Hours - So You Never Lose Another Job.

Construction moves fast—your funding should too. We help contractors cover upfront costs, bridge payment delays, and take on more work without relying on slow-moving banks.

Maximum Funding
$1M
Repayment Terms
6-36 mo
As Soon As Funding
24 hrs
Credit Score
600+
Apply in 2 Minutes & Get Up to $1M in 24 Hours*

No hard credit check, no collateral required.

The Hidden Cash Flow Crisis in Construction

Even profitable contractors face dangerous cash gaps. These real-world stats show just how delayed payments, retention, and financing gaps are impacting the trades.

83 days

Average payment delay in construction

Contractors wait nearly 3 months on average to get paid—even when terms are Net 30.

$208B

Capital stuck in unpaid invoices

That's how much cash is locked up in U.S. construction receivables at any given time.

73%

Contractors who front materials out of pocket

And over half say they've had to pass on new jobs because their cash was tied up elsewhere.

The Fast Capital Partner Contractors Rely On

We're not here to replace your bank—we're here when the bank can't keep up. Whether you've hit your credit limit or need funding faster than they can process paperwork, SCG fills the gap with fast, flexible capital built for contractors.

Faster Than the Bank

While banks take weeks, we fund you as soon as 24 hours. No red tape, no waiting on underwriters—just fast, flexible capital.

When Credit Lines Hit the Limit

Many contractors use SCG after maxing out their business credit lines. We step in to help keep jobs moving without delay.

Bridge Payment Gaps

Tired of waiting 30–90 days to get paid? Our funding helps you bridge those gaps and take on the next job sooner.

Apply Now - Takes 2 minutes

Common Use Cases for Contractor Financing

From managing project costs to seizing growth opportunities, discover how financing can help your business thrive.

Material Purchases

Front the cost of lumber, roofing supplies, concrete, piping, or electrical before invoice payments clear.

Payroll & Crew Retention

Keep your skilled labor force steady by covering weekly payroll—even when client payments are delayed.

Equipment Rental or Repair

Rent, repair, or replace critical construction equipment like excavators, lifts, or cement mixers.

Job Mobilization

Fund startup costs to mobilize to new job sites—permits, insurance, materials, fuel, and staffing.

Delayed Payment Bridging

Bridge 30–90 day payment cycles or retention holds with fast capital that keeps jobs moving.

Emergency or Storm Response

Act quickly on urgent repairs or disaster response jobs before insurance or FEMA payments arrive.

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Who We Work With

We specialize in helping small-to-mid-sized contractors across every major trade access fast, flexible funding.

General Contractors

General Contractors

Roofing Contractors

Roofing Contractors

Concrete & Masonry

Concrete & Masonry

Electricians

Electricians

Plumbers & HVAC

Plumbers & HVAC

Framing & Carpentry

Framing & Carpentry

Drywall & Paint

Drywall & Paint

Pool & Landscape

Pool & Landscape

Restoration & Storm Response

Restoration & Storm Response

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Helping Contractors Nationwide Keep Projects Moving

From storm response to scaling up commercial projects, our fast, flexible financing has helped contractors across all trades bridge gaps and grow with confidence.

Job site

Use Cases

  • Client
    Roofing Contractor – Dallas, TX
    Description
    Used a $75K advance to front labor and material costs for storm restoration jobs. Funded in 48 hours and completed 3 new roofs before insurance payouts landed.
    Amount Funded
    $75,000 Funded
    Category
    Storm Recovery
  • Client
    General Contractor – Orlando, FL
    Description
    Maxed out bank credit line and needed fast capital to mobilize on a 6-figure commercial build. SCG funded $120K with a flexible draw structure in under 3 days.
    Amount Funded
    $120,000 Funded
    Category
    Commercial Build
  • Client
    Plumbing & HVAC – Phoenix, AZ
    Description
    Needed to float payroll and equipment rentals while waiting 60 days on GC payments. SCG bridged the gap and helped take on two new contracts.
    Amount Funded
    $45,000 Funded
    Category
    Cash Flow Bridge

We Simplify Funding—So You Can Keep the Work Moving

No paperwork. No waiting games. Just a streamlined process built for busy business owners who need capital—fast.

Apply

Start with our quick, online application. It takes just minutes, with no complex paperwork required.

Get Approved

Receive a tailored financing offer as soon as 24-48 hours, designed to meet your business needs.

Get Funded

Accept your terms and funds are deposited quickly—allowing you to move forward without delay.

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Why Contractors Prefer SCG Funding

Discover why contractors and builders choose SCG Funding for their financing needs. Our solutions are designed to keep your projects moving forward with fast funding, flexible terms, and industry-specific support.

Trade-Focused Flexibility
Whether you're a roofer, electrician, or GC—use funding for the exact tools, teams, or timelines your trade demands.
Approvals in 24 Hours
Avoid slow bank processes. Apply in minutes and receive decisions in as little as one business day.
Revenue-Based Qualification
We focus on your cash flow, not your credit. No real estate or equipment collateral required.
Access More Capital As You Grow
Return for additional funding mid-project or between phases—especially after consistent repayment.
Custom Terms That Fit Your Cycle
Choose a payment schedule that matches your job completion timeline. Pay early and save.
Construction-Savvy Support
Work with a dedicated team that understands bids, retainage, net terms, and the realities of the job site.
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A Financing Partner in Your Corner

SCG offers more than just capital—we provide construction businesses with a strategic approach to funding that helps you manage cash flow and seize opportunities. Our deep understanding of the construction industry, combined with fast approvals and flexible terms, makes us the preferred choice for contractors nationwide. From materials and labor to equipment and growth, we're here to support your success at every stage.

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Insights for Contractors & Business Builders

Frequently asked questions