Business Financing for Construction & Trades
Project funding, equipment loans, and working capital for contractors who can't wait for long receivable terms and need to meet weekly payroll.
The daily grind that steals your time
These frustrations aren't just annoying—they're costing you money, clients, and peace of mind.
Upfront material costs strain cash flow
You win a $500K contract but need $150K in materials before the first draw. Suppliers want payment on delivery, not when your client pays you.
Project payments are always delayed
Net-30 becomes net-60. Retainage holds back 10%. Change orders create disputes. Meanwhile, your crew needs to get paid every Friday.
Equipment needs never stop
Excavators, skid steers, trucks — buying outright ties up cash. Renting is expensive long-term. You need financing that makes sense for your fleet.
Bonding limits cap your growth
You can do the work, but your bonding capacity says otherwise. Larger projects require larger bonds, and bonding companies want to see capital.
What if you could eliminate all of this?
Real work, not just conversation
Breakwater doesn't just match you with lenders—we guide the entire process. Here's how we help your business.
Project Lines of Credit
Revolving credit tied to specific projects. Draw funds for materials and labor, repay as project draws come in.
Equipment Financing
Finance heavy equipment, vehicles, and tools with competitive rates. Use the equipment as collateral to keep cash free.
Invoice Factoring
Turn outstanding invoices into immediate cash. Get 80–90% of invoice value upfront instead of waiting 30–60 days.
Performance Bonds
Access surety bonding programs that increase your bonding capacity so you can bid on larger projects.
Fleet Financing
Finance trucks, trailers, and specialty vehicles with terms designed for construction companies. Fleet packages available.
Working Capital
Cover payroll, materials, and overhead between project payments. Keep operations running without cash flow gaps.
Custom capabilities can be configured for your specific workflow
“We won a $2M contract but needed $350K upfront for materials. The bank said 6 weeks. Breakwater found us a project line of credit in 48 hours. We broke ground on schedule and grew 60% that year.”
— General Contractor
Denver, CO
Ready to transform your construction & trades?
Book a free consultation. We'll assess your financing needs, show you your best options, and give you a clear path forward.
15-minute call · No commitment · See exactly what's possible