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● Equipment · 3 daysSite contractor · Denver, CO
“We needed a CAT 320 to win a $1.2M site job. Berkman financed it before the GC issued the NTP.”
Amount
$180,000
Use
Excavator
Term
60 months
Working capital that gets the job started.
Mobilization money, change-order bridges, subcontractor pay-apps, equipment for the next bid. We underwrite contractors the way contractors actually run their books.
What we fund
For GCs, subs, and specialty trades.
Typical deal shape
What a construction deal usually looks like.
Ranges are informative, not promises. Your file is your file — we size to it specifically once we see bank statements.
● INTERNAL EST. · TRAILING 12 MO
Funding range$50K – $2M
Typical speed to funding2–5 days
Common deal size$210K
Across 890 contractors funded. Larger deals on the equipment and bonding side.
Products we usually pair
The capital shapes that fit this industry.
Equipment financing for the trucks and machines, a line of credit for mobilization swings, and AR financing against approved pay-apps. Most contractors run all three at once.
EFP01 / 03
Equipment Financing
Asset-secured term loan against the equipment you're buying. Longer terms, lower rates.
See product
LOC02 / 03
Business Line of Credit
Revolving credit — draw, repay, repeat. Pay interest only on what you use.
See product
AR03 / 03
Invoice Financing
Turn unpaid invoices into cash in 24 hours. Best for B2B with NET terms.
See product
Questions
The ones we actually get asked.
Industry-specific answers — not generic boilerplate. Don't see yours? Drop us a line.
Do you fund residential contractors or only commercial?+
Both. Residential remodelers usually run smaller MCAs; commercial GCs run larger LOCs and equipment lines.
Can you finance a job I haven't started yet?+
If you have a signed contract, yes — we can fund mobilization based on the contract terms and your trailing revenue.
What about bonding companies — will you compete?+
We don't replace a surety. We strengthen your working capital so the surety underwrites you for larger bonds.
Is a personal guarantee required?+
On most deals, yes — the same as any small-business credit. We disclose this up front, never after.