Construction & Skilled Trades

Need capital for tools, trucks, or working capital? Smarter Business Funding connects contractors and tradespeople with the right funding—fast. Get pre-qualified today.

Business Funding for Contractors & Trades

Tools, Trucks, and Capital—We Help You Build What’s Next

Real Funding for the People Who Build Everything

Contractors and skilled tradespeople are always on the move—but even the hardest-working pros need help getting the right equipment, keeping up with cash flow, or expanding into new jobs.

At Smarter Business Funding, we specialize in helping construction professionals, subcontractors, and independent tradespeople access fast, flexible capital without the hassle of traditional loans. Whether you’re just starting out or scaling up, we’re here to help you build forward.

Trades & Professions We Support

We serve a wide range of construction and skilled trade businesses, including:

  • General Contractors

  • Electricians

  • HVAC & Refrigeration Technicians

  • Plumbers

  • Masons & Concrete Specialists

  • Carpenters & Framing Crews

  • Roofing Companies

  • Site Prep & Excavation

  • Drain Cleaning & Sewer Services

  • Handyman Services

Whether you’re solo, managing a crew, or bidding on larger jobs, we help you stay equipped and funded.

Common Funding Needs

Construction and trade businesses often need fast access to funds for:

  • Equipment or tools – from ladders to laser levels to mini-excavators

  • Vehicle financing – trucks, trailers, or service vans

  • Working capital – to cover payroll, materials, or subcontractors

  • Startup funding – licensing, branding, and marketing

  • Supply chain support – to purchase materials before client payment

  • Job growth – when you win bigger bids but need upfront cash

Check out our Equipment Financing Guide to explore your options.

How Smarter Business Funding Helps

We know you don’t have time to chase banks or wait weeks for answers. That’s why we offer:

  • Industry-specific insights into contractor and trade financing

  • Free templates, checklists, and guides to help you organize fast

  • Clear funding education—what to expect, what you’ll need, how to prepare

  • One-on-one matching with a funding expert who understands your trade

  • Simple pre-qualification—no hard credit pull required

Whether you’re in a service van or running crews on multiple job sites, we’re here to help you get funded without slowing down.

Get Pre-qualified for Contractor-Friendly Funding

You’re not applying for anything just yet—just getting pre-qualified for fast, flexible funding that fits the way you work.

Tell us about your business, and we’ll match you with the right options to keep you building.

Get Pre-qualified Today!