General contracting runs on two things that rarely move at the same speed: the size of the jobs a company can bid on and the cash it has sitting in the bank the week a bid is due. A contractor can have the crew, the reputation, and the pipeline of upcoming work, and still lose a job to a competitor simply because their excavator is twelve years old or their fleet cannot cover a second site at once. fundivi was built to close that gap, giving contractors a way to fund equipment, payroll, and material costs without waiting weeks for a bank decision that may not even come through in time to matter.
If your contracting business has been operating for 6 months or more, generates $30K or more in monthly revenue, and has a personal credit score of 550 or higher, you can start an application directly at fundivi.com and get a decision the same day.
Why Contractors Feel Cash Flow Pressure Differently Than Other Industries
Most general contractors are paid on a schedule that has almost nothing to do with when their costs actually hit. Materials get purchased up front. Subcontractors and crews expect to be paid weekly regardless of when the general contractor collects from the client. Draw schedules on larger commercial jobs can stretch payment out thirty, sixty, or ninety days past the work being completed. A contractor juggling three active jobs at different draw stages can be profitable on paper and still short on the cash needed to make payroll this Friday. That mismatch between billed work and collected cash is the single biggest reason contractors reach for outside funding, and it is rarely because the business itself is struggling.
The Real Cost of Outdated or Insufficient Equipment
An aging skid steer, a truck that keeps breaking down mid job, or simply not owning enough equipment to run two crews at once does more damage to a contracting business than most owners realize until they lose a bid over it. Larger jobs increasingly require proof of equipment capacity before a general contractor even gets shortlisted. Rental costs on a long job can quietly eat the margin that made the bid worth taking in the first place. Contractors who invest in owning the right equipment at the right time are consistently able to bid on larger, more profitable work, while contractors stuck renting or making do stay capped at the size of job their current fleet can realistically support.
How Equipment Financing Works for a Contracting Business
fundivi's equipment financing is built specifically around this problem. The equipment itself secures the loan, which typically means better terms than an unsecured product and a faster decision, since the collateral reduces the risk on the lender side of the equation. Funding ranges from $15K to $3M, covering everything from a single piece of attachment equipment to financing an entire fleet expansion ahead of a large commercial contract. Decisions typically land within 24 to 72 hours, fast enough to move on equipment before a competitor buys it or a rental commitment locks up cash that could have gone toward ownership instead.
When a Business Term Loan Fits Better
Not every contracting need is equipment shaped. A contractor bringing on new crew ahead of a busy season, covering material deposits on a job that has not started billing yet, or consolidating several smaller obligations into one predictable payment often fits better with a business term loan. fundivi's term loans range from $25K to $5M with fixed monthly payments and a clear maturity date, giving a contractor a predictable number to plan around instead of a revolving balance that can grow if it is not actively managed. Many contractors end up using equipment financing and a term loan together, one covering the asset itself and the other covering the labor and materials needed to actually put that asset to work.
Same Day Funding Matters More in Construction Than Almost Any Other Industry
Construction schedules do not pause for a financing decision. A delayed equipment purchase can push back an entire job timeline, which cascades into late penalties, frustrated clients, and crews sitting idle on the payroll clock without productive work to bill against. fundivi's process is built around speed for exactly this reason. Most applications take about three minutes to submit, cash flow gets reviewed the same day rather than sitting in a queue behind a loan officer's other files, and funded deals are typically wired the same business day. For a contractor who needs a piece of equipment on site by Monday, that turnaround is often the difference between taking a job and passing on it.
The Hybrid Model Advantage for Contractors
fundivi operates on a hybrid funding model that combines direct lending with a vetted network of trusted lending partners. For a contractor, this means one application gets matched against fundivi's own book of capital first, and if a specific deal calls for a different structure, a partner within fundivi's established network steps in without the contractor having to start over with an unfamiliar company. There is no retyping the same financials into a second portal or waiting on a cold introduction to a lender with no track record. The entire process stays inside one relationship, which matters for a contractor who does not have time to manage five separate lending conversations while also running active job sites.
Seasonal Ramp Up Funding
Construction is seasonal in most parts of the country, and the ramp up period before a busy season often requires spending on labor, equipment, and materials well before the revenue from that season actually arrives. Contractors who wait until the season is already underway to secure funding often find themselves scrambling, paying rental premiums or turning down early jobs simply because they were not capitalized in time. Working capital or a term loan secured a few weeks ahead of the season gives a contracting business room to staff up, service equipment, and stock materials on a timeline that matches when the work actually starts, rather than reacting after demand has already picked up.
Covering the Gap Between Draw Schedules
Commercial and larger residential jobs are frequently billed on draw schedules tied to completed milestones, inspections, or phases of the project. A contractor can be several weeks into a profitable job and still be waiting on the first or second draw to actually clear. fundivi's working capital product is designed for exactly this kind of timing gap, giving a contractor access to operating cash for payroll, materials, and day to day costs while a specific job's billing catches up to the work that has already been completed on site.
Funding a Fleet Expansion Without Draining Reserves
Growing a contracting business often means growing the fleet, but paying cash for a new truck, excavator, or set of attachments can drain reserves a contractor needs for the next unexpected repair or slow month. Financing the equipment instead preserves that cushion, spreading the cost over a fixed monthly payment while the equipment itself starts generating billable hours almost immediately. A contractor who finances a piece of equipment that lets them take on one additional job per quarter often recovers the cost of that equipment well before the loan is paid off, while still keeping cash reserves intact for the rest of the business.
What Fundivi Looks At Beyond a Credit Score
Traditional bank underwriting leans heavily on personal credit history and years in business, which can shut out a contracting business that is genuinely healthy but does not fit a rigid template. fundivi evaluates a business primarily on actual cash flow and payment history, treating a contractor with strong recent revenue and a solid banking history as a legitimate candidate even if their credit history is not spotless. The minimum requirements are straightforward: 6 months in business, a business checking account, $30K or more in monthly revenue, and a personal FICO score of 550 or higher. Contractors who clear those four benchmarks are generally in range for funding.
Choosing the Right Product for the Job in Front of You
The right funding product depends entirely on what a contracting business actually needs at that moment. A specific piece of equipment tied to a specific job points toward equipment financing. A broader need for operating cash across payroll, materials, and overhead points toward working capital or a term loan. A short term gap ahead of a known payment, like a draw or a certificate of completion, points toward bridge capital. fundivi's team walks contractors through this decision directly rather than pushing a single product regardless of fit, since a mismatched product can create more strain on a business than it solves.
Getting Started
Contractors who have felt capped by their equipment, stretched thin between draw schedules, or unable to bid on the jobs that would actually move their business forward do not need to keep working around those limits indefinitely. If your contracting business has been operating for 6 months or more, generates $30K or more in monthly revenue, and has a personal credit score of 550 or higher, you can apply directly at fundivi.com and see a decision the same day, with capital wired the same business day for most approved deals.
