Business Loans for Contractors
Keep Jobs Moving Without Cash Flow Delays
Don’t let cash flow gaps slow you down or hold you back from new opportunities. Get quick access to flexible funding and draw only what you need to cover costs and take on bigger projects.
Instant signup. 14 day free trial. No credit card required.
A simpler way to get working capital for contractors
Joist Lending, powered by Fundbox, lets you check options and apply for funding right from the app. Connected to 500k+ small businesses, Fundbox ensures that financing is within reach, right when you need it.
Get a decision in minutes, so jobs aren’t delayed
For when you need working capital now. Know your options and access funds quickly, without waiting on long approval timelines.
- Get a decision in as little as 3 minutes
- Receive funds as soon as the next business day
- Skip the traditional, lengthy loan application process
Instant signup. 14 day free trial. No credit card required.
Check your options without affecting your credit score
Explore without risk. Review your options first, then decide if moving forward makes sense for your business.
- Check your options with a soft credit pull
- No impact to your credit just to view your eligbility
- Take the next step only if it’s the right fit
Instant signup. 14 day free trial. No credit card required.
Take on larger jobs, without borrowing more than you need
Draw what you need for each project—materials, payroll, or equipment—without taking on more funding than the job calls for.
- Use your line of credit as needed, so you control cash flow
- Cover upfront costs for bigger projects
- Pay off your balance early with no prepayment penalties
Instant signup. 14 day free trial. No credit card required.
Plan projects with confidence
You’ll see your total upfront cost before making a decision. So you always know exactly what you’ll repay.
- See the total repayment cost upfront before you commit
- Pay a fixed fee, per draw
- No origination or maintenance fees
Instant signup. 14 day free trial. No credit card required.
Small business lending you can trust
Joist Lending is made possible in partnership with Fundbox, a leading loan platform that has unlocked over six billion dollars in capital for small businesses. With over 4,400 customer reviews, you can be confident in Fundbox to supply the working capital your business needs to grow.
Try Joist FreeFundbox makes capital available to businesses through business loans and lines of credit originated by First Electronic Bank or Lead Bank. California businesses: Fundbox makes business loans and lines of credit loans pursuant to California Financing Law license 60DBO-48774.
All financing is subject to credit approval of a completed application. Fundbox and its bank partners base loan eligibility on their respective credit and risk policies, applicable legal requirements, and other business considerations. Financing may not be available in all states and may be subject to local restrictions where applicable.
10 out of 10 hands down
Keep growing your business with Joist
Business funding helps you cover costs along the way. These tools help you keep building momentum. Joist brings together everything you need to get more work, improve your cash flow, and get more out of every job.
Boost Online Reviews
Automatically send review requests after you get paid, to build a stronger reputation and win future work. No extra effort on your part.
Offer Homeowner Financing
Win bigger jobs and get paid upfront by giving customers a way to afford the work, so you can start sooner and keep your cash flow steady.
Earn Rewards
With Joist Edge, earn rewards on eligible purchases and turn everyday job costs into added value for your business.
FAQ
Qualifying for a business loan usually depends on your business activity, revenue, and financial history. Lenders look at factors like how long you’ve been operating and your overall business performance. With Joist Lending, you can check your eligibility in as little as 3 minutes with a simple application. There’s no going through a long or complex approval process, and it won’t affect your credit score.
No. Checking your options uses a soft credit pull, so it won’t impact your credit score.
With Joist Lending, you can get a decision in as little as 3 minutes. If approved, funds can arrive in your bank account as soon as the next business day.
You can use funds for materials, payroll, equipment, unexpected costs, or anything your business needs. Many contractors also use funding to take on larger jobs, grow their business, or handle gaps between projects.
Traditional bank loans often involve lengthy applications, strict requirements, and complex interest structures. They’re not always built for the day-to-day needs of contractors. Joist Lending is designed specifically for small businesses in the trades. It’s faster, simpler, and more transparent, with clear costs and flexible terms that fit how your contracting business actually runs.
Free Resources on Business Lending
Learn how to manage cash flow, plan for growth, and make smart funding decisions. Plus, get templates, calculators, and guides for every par
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