Construction Financing With Credit Challenges
A failed prior construction business that damaged credit. A divorce that hurt your score. Medical bills from years ago. Your personal credit history does not define your current company's project performance. Strong revenue and consistent project deposits can support financing even when credit scores create barriers.
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Credit Challenges in Construction Context
Life circumstances and prior business challenges create credit damage that does not reflect current success. Alternative lenders focus on what matters for construction: project revenue and operational performance.
Prior Business Impact
Many contractors had prior businesses that did not work out. Those ventures may have damaged credit while providing valuable experience that makes current operations successful.
Life Happens
Divorce, medical emergencies, family situations damage credit. These personal challenges often have nothing to do with your ability to run successful projects.
Project Revenue Matters
Consistent project deposits demonstrate your company's real value. Strong deposit patterns show repayment capacity regardless of credit scores.
Equipment Collateral Option
Equipment financing uses equipment as collateral. Lender risk is reduced by equipment value, enabling approval even with credit challenges.
When Credit Scores Do Not Tell the Full Story
Personal credit history often misrepresents the financial strength of a successful construction operation.
Past Does Not Equal Present
Credit damage from a failed prior business or life circumstances does not reflect your current strong project performance.
Prior Business Failure
A construction company that did not work out damaged credit. Now your current operation is thriving with strong project deposits.
Life Circumstances
Divorce, illness, family emergencies damage credit. These have nothing to do with running successful projects.
Bank Algorithm Rejection
Banks use automated scoring that ignores project revenue strength. A 580 score gets declined regardless of $80,000 monthly deposits.
Equipment Needs Continue
Credit challenges do not change equipment needs. Excavators break. Trucks need replacement. Operations require capital.
Growth Constraints
Credit damage prevents equipment upgrades and fleet expansion regardless of the company's ability to execute projects.
Revenue-Based Application Process
We evaluate your company's performance, not just your credit score.
Application
Complete application with business information. Credit is one factor, not the only factor.
15 minutes
Bank Statements
Upload 4+ months of bank statements showing project deposits.
Upload documents
Revenue Evaluation
We analyze project deposits, revenue patterns, and overall business health alongside credit.
24-72 hours
Offer
Receive funding offer based on complete business picture. Strong revenue offsets credit challenges.
Same day
Revenue-Based Construction Financing
Your construction company generates real revenue from real projects. That economic value can support financing even when credit scores create barriers. Strong project deposits demonstrate repayment capacity.
Project Revenue Primary
Consistent project deposits demonstrate repayment capacity. Strong $40,000-$80,000 deposit months can offset significant credit challenges.
Deposit Pattern Recognition
Strong deposit patterns show business health regardless of owner credit history.
Complete Picture Review
We look at the whole situation: credit history context, project deposits, revenue, and overall performance.
Equipment Collateral Option
Equipment as collateral reduces lender risk. Heavy equipment has real value that supports financing.
MCA Often Available
MCA is designed for businesses with strong revenue. Payments can align with project deposits.
Credit Building Path
Successful repayment builds track record for future financing at better terms.
Financing Despite Credit Challenges
Common needs funded based on revenue performance rather than credit alone.
Equipment Emergency
Excavator or critical equipment down. Finance repair based on revenue and equipment value.
Typical funding: $10K-$40K
Working Capital
Bridge payment timing based on deposit history. Strong deposits qualify despite credit.
Typical funding: $15K-$75K
Equipment Purchase
Equipment financed with equipment as collateral and revenue strength.
Typical funding: $25K-$150K
Project Startup
Fund materials and mobilization based on project contract and revenue history.
Typical funding: $20K-$75K
Payroll Bridge
Cover crew payroll while waiting for project payment. Deposit history supports.
Typical funding: $10K-$40K
Material Purchase
Fund materials based on demonstrated ability to complete projects.
Typical funding: $15K-$50K
Financing Options With Credit Challenges
Understanding which products are accessible with various credit profiles.
| Feature | MCA | Equipment Finance | Working Capital |
|---|---|---|---|
| Credit Threshold | 500-550+ | 580-620+ | 550-600+ |
| Primary Factor | Deposits | Equipment + Credit | Deposits |
| Payment Structure | Daily/weekly | Fixed monthly | Fixed/flex |
| Collateral | None | Equipment | Often none |
| Rates | Higher | Moderate | Higher |
| Speed | 24-72 hours | 5-14 days | 24-72 hours |
| Maximum Amount | $15K-$150K typical | Equipment value | $15K-$150K |
Requirements Focus on Revenue, Not Just Credit
What matters most for construction financing with credit challenges.
Project Deposits
Consistent deposits from project payments. This is the most important factor.
$20,000+ monthly deposits
Business History
Operating construction company with established activity.
6+ months preferred
Bank Account Activity
Regular deposits showing operational consistency.
Consistent activity
No Active Bankruptcy
Cannot be in active bankruptcy. Past discharged bankruptcy (1+ year) is workable.
No open BK
Active Operations
Currently operating with active or upcoming projects.
Active construction
Business Bank Account
Established business checking with history of deposits.
4+ months statements
Strong project deposits can offset significant credit challenges. Each situation is evaluated individually.
Real Results
Mike D.
Concrete Contractor, Georgia
The Challenge
Mike had a 535 credit score due to a failed prior business and personal bankruptcy 3 years ago. His current concrete company had $65,000 monthly deposits with consistent project work. Banks declined immediately.
The Solution
We evaluated his 10 months of project deposits, showing strong and consistent revenue. Despite the credit score, deposit strength supported $55,000 in working capital.
The Result
Mike funded equipment repairs and project materials. Successful repayment over 11 months. Credit has since improved, and he recently qualified for equipment financing at better rates.
“My failed business and bankruptcy meant banks would not talk to me. But my concrete company does consistent work with strong deposits. Finding a lender who valued performance changed everything.”
Credit Challenges in Construction Context
Understanding the landscape of financing with credit challenges.
Why This Approach Works
How focusing on project revenue helps contractors with credit challenges.
Project Revenue Recognition
Your consistent project deposits demonstrate real repayment capacity.
Equipment Collateral
Heavy equipment as collateral reduces risk and enables financing.
Credit Rebuilding
Successful repayment builds business credit for future, better-rate financing.
Not Predatory
Higher rates for higher risk are fair. We structure sustainable financing.
Speed to Capital
Get capital quickly rather than waiting months for bank declines.
Emergency Access
Equipment failures need immediate response. Credit challenges should not prevent solutions.