Industry funding

Funding for Construction

From mobilizing a crew to waiting on the next draw, construction cash flow runs ahead of payment. Quartz funds the gap so projects never stall.

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The challenges

What makes construction cash flow hard

We've funded enough construction businesses to know exactly where the pressure points are.

Payment lags the work

You front materials, equipment, and payroll for weeks before a progress draw or final payment ever lands.

Lumpy, project-based revenue

Income arrives in big, irregular chunks tied to milestones — not the steady stream lenders like to see.

Retainage holdbacks

A slice of every invoice is held back until completion, tying up cash exactly when you need it for the next job.

Equipment-heavy operations

Trucks, excavators, and tools are expensive, and downtime on a broken machine costs you the whole job.

Recommended products

Funding solutions for construction

Three products our construction clients reach for most. Tap any one to see how it works.

Business Line of Credit

Reusable capital you draw on demand and only pay for when used.

Explore Line of Credit

Invoice Factoring

Turn unpaid invoices into same-week cash, with no new debt.

Explore Invoice Factoring

Equipment Financing

Fund the assets you run on, with the equipment as collateral.

Explore Equipment Financing
By the numbers

Construction at a glance

$487B
U.S. construction spend / yr
60–90 days
Typical pay cycle
24 hrs
Quartz funding speed
“Quartz funded materials and payroll between draws on a school renovation — we never broke stride waiting on the GC to pay.”
Marcus Hale
Owner, Hale & Sons Contracting

Do you qualify?

Whether you're a GC, a sub, or a specialty trade, if you've been operating 6+ months with $15,000+ in monthly revenue and a 500+ credit score, you likely qualify.

Checking takes minutes and never affects your credit score.

Good to know

Frequently asked questions

It depends on the product — a merchant cash advance or invoice advance can fund the same or next business day, while larger loans are typically approved within 24–48 hours.

Our advisors match the product to your cash-flow pattern and goal. The three above are the most common fits for your industry, but you can compare every option on our services page.

A short application and three months of business bank statements. There's no hard credit check just to see your options.

Ready to fund your construction business?

Tell us what you need and a funding advisor will recommend the right product — at no cost and with no impact to your credit.

Apply now Talk to an advisor