IRONCLAD

Funding for Construction.

From the bid to the final draw, construction lives and dies on cash flow. We bridge the gap so you can keep crews working and projects moving.

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The Reality

Construction Funding Challenges.

Progress draws, retainage, and slow-paying GCs squeeze contractors who still have to make payroll every week.

Draws Lag the Work

You pay for labor and materials weeks before a progress draw clears — and one delayed payment can stall the whole job.

Retainage Held Back

5–10% held until project close ties up your margin for months on every contract.

Bid Before You're Paid

Mobilizing a new project means buying materials and staffing up long before the first invoice is paid.

Heavy Equipment Costs

Excavators, lifts, and trucks are expensive — and downtime on a broken machine costs you the job.

Built for the Trade

Funding Solutions for Construction.

Three products do most of the heavy lifting for the contractors we fund.

Line of Credit

Float payroll and material costs between draws, and pay interest only on what you use.

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Short-Term Loans

Mobilize a new project fast with a lump sum repaid as the contract pays out.

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Equipment Financing

Finance excavators, lifts, and trucks with the equipment as collateral.

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$250K
Avg. project funding
48hr
Typical funding speed
3,400+
Contractors funded
95%
Funded within 48 hrs
Where the Money Goes

What Construction Operators Fund.

Construction capital tends to flow toward keeping the job moving and the crew paid.

Common Use Cases

  • Payroll between progress draws
  • Bulk material purchases
  • New equipment & vehicle financing
  • Mobilizing a newly-won project
  • Covering retainage gaps
From the Field

What They Say.

Ironclad funded our payroll the same week we won a $1.2M municipal job. Without that line of credit we'd have had to turn the project down — instead we grew the crew and finished early.

★★★★★
Marcus D.Site Superintendent, Commercial GC
Eligibility

Do You Qualify?

If you run a construction business and meet our simple baseline, you're likely a fit. Checking your options is a soft pull and never affects your credit score.

See If You Qualify

The Baseline to Qualify

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit score

Keep the Job Moving.

Bridge the draw gap and fund your next project.

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