Fast, Fair Contractor Financing Without the Red Tape.

From payroll gaps to upfront material costs, our contractor business loans and subcontractor financing solutions keep your projects moving and your crews paid (without banks slowing you down).

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Why Contractors Need Smart Financing

Running a contracting business isn’t easy. You’re juggling bids, crews, materials, and deadlines while waiting weeks or months for progress payments to come in. Without cash flow, even profitable jobs can drag you under.

  • Problem: Traditional banks take weeks, bury you in paperwork, and often say no.
  • Problem: Predatory lenders push you into oversized working capital loans for contractors that cost more than they’re worth.
  • Solution: Builders Business designs fast, transparent funding that matches your cash flow and growth goals…not someone else’s.
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Funding Options Built for Contractors

Funding Options Built for Contractors

We don't believe in one-size-fits-all. We tailor funding to the realities of your trade:

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Contractor Working Capital Loans:

Cover payroll, repairs, or emergency expenses.

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Subcontractor Financing:

Bid bigger jobs without worrying about upfront costs.

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Contractor Material Financing:

Secure materials before suppliers demand payment.

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Progress Payment Financing:

Smooth over client payment delays.

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Contractor Invoice Factoring:

Turn unpaid invoices into fast cash flow.

Why Business Builders Is Different

Why Business Builders Is Different

Unlike traditional lenders or sharky alternatives, we're built around contractors' reality.

Project manager talking to carpenter
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Built for Contractors:

We understand delayed pay apps, seasonal slowdowns, and equipment breakdowns.

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Transparent:

We tell you everything you need to know upfront. Clear borrowing costs, clear terms, and zero hidden fees.

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Your Interests First:

We'll even tell you not to borrow more than you need.

How It Works (3 Simple Steps)

How It Works (3 Simple Steps)

1

Apply in Minutes:

One quick form.

2

Get Options Tailored to You:

Strategy call with a funding expert.

3

Get Funded Fast:

Cash in 24-48 hours, aligned with your project cycle.

Real Contractors. Real Operators. Real Wins.

Real Contractors.
Real Operators.
Real Wins.

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Customer Testimonials

"When I heard of Builders Business, I wasn't sure how quickly my application would get approved, but decided to apply anyways. Erik was responsive and made the whole process seamless. With infusion of capital, I can take on bigger projects now without worrying about payroll gaps. Builders Business gives me the confidence to grow."

JAMES P, LANDSCAPING, ARIZONA