Funding businesses in all 50 states that build, repair, and power America.
Built for blue-collar businesses. Whether you're stocking inventory, bridging cash flow, buying equipment, purchasing real estate, or acquiring a competitor, we'll help you secure the capital to get it done.
See What You Qualify For
4-minute application. Soft credit pull only. No cost, no obligation.
Trades we've financed across all 50 states
WHO IS BLUE COLLAR FUNDING?
We help contractors, skilled trades, service businesses, manufacturers, and other blue-collar companies secure the capital they need to grow. Whether you're buying equipment, hiring another crew, bridging cash flow, expanding into a new market, or acquiring a competitor, we'll help you find the financing that fits your business.
Founded on a deep respect for the men and women who build, repair, and power America, we focus on one kind of customer: blue-collar businesses. From plumbing, HVAC, electrical, roofing, and trucking to manufacturing, waste management, paving, excavation, and countless other skilled trades. We understand how your business operates and how it can scale with the right capital solutions.
Recently Funded
- Equipment FinancingHVAC Contractor — Phoenix, AZ$412K
- Invoice FactoringRegional Trucking Fleet — Amarillo, TX$1.8M
- SBA 504Welding & Fab Shop — Erie, PA$2.4M
- Line of CreditExcavation Contractor — Boise, ID$750K
- Material FinancingElectrical Contractor — Charlotte, NC$340K
- CRE PurchaseWaste Hauler — Springfield, MO$3.1M
Loan Programs for Blue Collar Businesses
Whether you're buying iron, covering payroll between draws, or finally buying the shop you've rented for a decade, there's a program built for it.
Equipment Financing
Buy the machine, keep the cash. Finance new or used equipment from a dealer or private party without draining your operating account.
Business Line of Credit
Draw what you need, pay interest only on what you use, and pay it back down when the checks clear. Built for seasonal swings.
SBA 7(a) & 504 Loans
Government backed loans with long terms, low payments, and cheap rates. The best money to make big moves.
Working Capital
Straightforward money for hiring, advertising, cash flow gaps, or materials to finish a big job.
Real Estate Loans
Purchase, refinance, or cash-out on business purpose and investment purpose property.
Term Loans
Supporting growth through multi year terms, no collateral needed, and fast funding.
Amounts, Requirements & Funding Speed
| Loan Type | Amount Range | Min. Time in Business | Min. Credit Score | Typical Funding Speed |
|---|---|---|---|---|
| Equipment Financing | $25,000 – $5,000,000 | 1 year | 600+ | 1 - 5 days |
| Business Line of Credit | $10,000 – $5,000,000 | 1 year | 600+ | 24 – 48 hours |
| SBA 7(a) & 504 Loans | $50,000-$5,000,000 | 3 years | 650+ | 30 – 60 days |
| Working Capital | $25,000 – $5,000,000 | 1 year | 500+ | 24 - 48 hours |
| Real Estate Loans | $250,000 – $25,000,000 | 2 years | 660+ | 30 – 60 days |
| Term Loans | $25,000 – $5,000,000 | 1 year | 600+ | 24 – 48 hours |
The Loan Process
Getting funded is easier than getting a permit inspected.
Apply in Minutes
Complete a simple 4-minute application. Soft credit pull only — no impact on your score.
Get Real Offers
We shop your file across our nationwide funding network and lay the terms side by side in plain English.
Get Funded
Pick the offer that works, sign electronically, and see funds in as little as 24 hours.
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Read moreFAQs
Ready to put capital to work?
Tell us what you run and what you need. A specialist who knows your trade calls you back within one business hour.