Built For Contractors
Find Contractor Funding,Honestly.
The money is earned. It is just sitting in someone else's net 30. Tell us your monthly revenue, time in business, and what the money is for. We match you to funding partners who read bank deposits and draw schedules, and we show the real dollars you would repay before you commit.
Free, no hard credit pull, about 3 minutes. Or see the true cost first.
See your options with no hard credit pull and no obligation. Final terms come from the funding partner.
Wayfind is an independent referral broker, not a lender, and may receive compensation from lending partners.
A factor rate is not an APR. The fee is fixed and does not shrink if you repay early.
An illustrative example at pricing common for construction and contractors, never an offer. Funders set real terms; we show you their math this plainly before you decide.
◆Been Told No Already?
A decline is not a verdict on your business
Jobber and Housecall Pro put financing in front of your customers so the homeowner can pay over time, but when your own company needs working capital between the draw and Friday payroll, those platforms come up short. And the bank sees lumpy project deposits instead of a steady line and says no. A decline there is not a verdict on your business. It usually just means your revenue arrives in draws and net 30 invoices, and most underwriting was never built for that. We match you to funding partners whose products fit project-based revenue, including weekly payment structures instead of daily card holdbacks, and we show the real repayment dollars before you commit. One thing that matters in this trade: if you already have an advance on the books, tell us up front. Disclosed positions keep options open. Hidden ones close doors.
Free, no hard credit pull, about 3 minutes.
◆What The Money Is For
Funding for the way contracting actually runs
From payroll between draws to materials on a job you already won, we match you to the right kind of money and show the real cost before you commit.
WORKING CAPITAL
Make Payroll Between Draws
Payroll hits every Friday whether the GC pays or not. Working capital bridges the gap between the draw schedule and your crew's paychecks, with the real cost shown first.
MATERIALS PURCHASING
Front Materials on a Won Bid
You front materials before you see a dime of the draw. Funding to cover the supply house order so the job you already won can actually start.
PROJECT STARTUP
Cover Mobilization Costs
Won the bid, now you need cash to mobilize. Deposits, permits, labor, and equipment moves all land before the first payment does.
EQUIPMENT COSTS
Repair or Rent Equipment Mid-Job
A machine goes down mid-job and the schedule does not care. Funding to repair or rent without stopping work or blowing the timeline.
RETAINAGE BRIDGE
Bridge Retainage on Finished Work
Retainage can hold your profit hostage for months on work you already completed. A bridge keeps that money working while you wait for release.
RECEIVABLES GAP
Ride Out Net 30 and Net 60
Slow-paying GCs and net 60 invoices squeeze even profitable companies. Short-term funding smooths the gap between invoice date and deposit date.
◆Straight Answers
Questions owners actually ask
Free to you. No hard credit pull. We are a broker, not a lender, and the calculator shows real dollars.
My revenue comes in draws and big invoices, not daily card sales. Can I still get matched?
Yes. Funders that work with construction read bank deposits, not card volume, and weekly-payment products built for project-based revenue exist instead of daily holdbacks. We look for that fit when we match your file. You will see the total dollars you would repay before you commit. Final terms always come from the funding partner.
I already have an advance on the books. Should I mention it?
Yes, always, and up front. Funders pull UCC filings and find open positions anyway. An undisclosed position usually kills the file, while a disclosed one often just changes which partner and structure make sense. Quietly stacking a second or third advance is the fastest way contracting companies get into real trouble, so honesty here is not just the right move, it is the one that keeps your options open.
When is an advance the wrong move for a contracting company?
When repayment depends on money you may not see for months. If the gap you are covering is retainage that will not release for half a year, a thin-margin bid, or you are already carrying two positions, an advance can dig the hole deeper because payments start now and the project pays later. Invoice factoring, a bank line of credit, or renegotiating the pay schedule with your GC may fit better, and if that is the honest answer, we will tell you.
What does Wayfind cost, and is there a hard credit pull?
Wayfind is free to your company. Funding partners pay us, which is also why we show the true cost in dollars, so you can judge the match for yourself. There is no hard credit pull to see options, and the funding partner, not Wayfind, reviews your file, sets terms, and funds.
More detail in our guides and the true cost calculator.
◆Get Started
See your company's options, honestly
Free to your company, no hard credit pull, no obligation. Wayfind matches you to a funding partner. The partner, not Wayfind, reviews, approves, sets terms, and funds.
See My Funding OptionsWe currently serve businesses in Florida, Georgia, Illinois, Ohio, Arizona, Nevada, and Colorado.
Wayfind is an independent referral broker, not a lender, and may receive compensation from lending partners.