Cover cash flow gaps to construct growth

Flexible financing to build your residential or commercial construction business. No hard credit check.

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Funds in under 24 hours.

Construction is our core business

10K

Construction Businesses Funded

100

Industry Funding Provided

1

Funding Provided to SMBs

Working capital for construction companies at glance

Types of construction businesses we fund

Residential contractors
Commercial contractors
HVAC installation and repair
Electricians
Plumbers
Roofers
Painters
Flooring
Millwork
Carpentry

Timing

In as little as 24 hours of acceptance

Requirements

Time in business: 1+ year

600 FICO score

$10k+ monthly revenue

Construction projects move faster with working capital
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How to use construction business financing

Cover operating expenses to take on more construction projects and invest in long-term growth.

Project expansion

Take on larger contracts that require upfront investment.

Fast

Payroll and labor

Cover weekly payroll, hire additional crews; pay subtractors on time.

Upgrade equipment and machinery

Repair heavy equipment, rent specialized machinery, purchase tools for upcoming projects.

Buy materials and supplies

Purchase lumber, concrete, steel, and other job-site supplies; lock in bulk discounts from suppliers.

Cover permits and fees

Get the right permits and maintain licenses and certifications to take on more large-scale projects.

Savings: six months interest only before amortization

Overcome emergency expenses

Replace broken equipment, tackle unexpected job-site issues.

Invest in marketing

Invest in lead generation and advertising; upgrade project management software.

Afford fleet and fuel

Cover vehicle repairs, fuel costs, purchase or lease work trucks and trailers.

Lower costs: early payoff options

Cover other cash flow gaps

Keep tackling projects even if you’re waiting on invoices to be paid.

Trustpilot reviews from real construction business owners

From roofing to excavation, small business owners rate us “excellent.”

“There are many funding companies. Most of them are very predatory and offer terms that can destroy companies. VOX has real, good people that do everything they can to help your business at the highest level. I know them for many years and my experience is always top notch.”

Gilad R.

Owner, Rubinsky Roofing, Dallas, TX

“Communication and customer service is what stands out the most! ”

Jeff B.

Owner, Excavation and Millwork Business, Naples, NY

Construction industry deals

How businesses across the nation used working capital from VOX.

  • Construction Deal
  • Roofing & Construction
  • Hydrovacs

Financing options built around your business

Flexible funding customized to the construction industry’s needs.

  • Revenue Advance by VOX Funding

    Fund growth with a rapid, pre-approved lump sum.

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    Revenue advance MCA

  • Invoice Factoring by VOX Factor

    Don’t wait 90 days to prepare for peak season, we purchase up to 90% of your invoice value today.

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    Invoice Factoring by VOX Factor

  • Business Line of Credit by Chedr

    Access capital when you need it — pay for what you use.

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    Business Line of Credit by Chedr

  • Amortizing Loan by Chedr

    Get a lump sum to invest in your business with structured repayment over time

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    Amortizing Loan

FAQ

Everything you need to know about financing your construction business. Can’t find what you’re looking for? Feel free to Contact Us.

While we provide working capital ranging from $5,000 to more than $2 million, our average deal size is $130,000 – $140,000.

We fund both residential and commercial construction businesses across many specializations, including roofing, flooring, painting, HVAC, home remodeling, electrical work carpentry, excavation, and landscaping.

We offer multiple flexible financing options including revenue advance (a.k.a. merchant cash advance or MCA), which is a lump sum of cash paid off with future revenue. In addition to term loans, business line of credits, and invoice factoring.

You must accept credit cards, have a U.S.-registered business checking account, 1+ years in business, and at least $10K in monthly revenue. We typically require FICO (a type of credit score) of 600 or above.

*Offered through our Chedr subsidiary

It takes just a few minutes to fill out an application with 3-4 recent bank statements. Processing typically takes less than one business day.

Our application takes just a few minutes. Funds can be in your bank account the same day.

If you have trouble with payback due to changes in cash flow during anytime of year, reach out and we will adjust your original terms to reflect your construction business’s current performance.

We provided revenue based financing products. Unlike traditional bank loans, these are based on cash flow vs. assets on the balance sheet. Funding is generally faster with flexible eligibility requirements. Factor rates, rather than interest rates, are used for revenue-based financing products.

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Ready to get funded?

VOX Funding gets you quick access to the capital your business needs. Apply today to see which VOX Funding Program is right for you.

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