Funding for your day-to-day construction needs.
- Bridge AR while waiting on progress draws and holdback releases
- Mobilize a new job: bond premiums, materials deposits, first-week payroll
- Buy essential equipment, lifts, and trucks
- Cover payroll across multiple crews during a slow billing cycle
- Cover essential costs alongside existing financing when the full obligation remains affordable
Financing options for your Canadian business.
Working capital is a common starting point where appropriate. Term loans may also be available, with each offer and schedule set by the lender.
Line of Credit
For the strongest business and credit profiles only. May be considered for mobilization, materials, and payroll, subject to lender review and offer terms.
Learn more →Invoice Financing
Advance against approved invoices instead of waiting 30, 60, or 90 days on a slow-paying GC.
Learn more →Term Loan
Finance equipment, a shop expansion, or a defined working-capital need with a lender-set schedule.
Learn more →Start with the right information.
Working-capital applications are generally considered for Canadian businesses with at least six months in operation and at least $10,000 in monthly revenue. Approval depends on lender review, and additional documents may be requested.
What to prepare
- Recent business bank statements
- Existing financing obligations
- How you intend to use the funds
Three steps from application to lender decision.
Apply in minutes
Share your business details and connect your bank or upload recent statements.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Review the offer
If approved, review the lender’s schedule, costs, and conditions before you decide.
Canadian construction financing: common questions.
Do I need to be bonded to qualify?+
No. Bonding capacity is helpful context but not a requirement for most products. Some lenders weight it for larger lines, but Thrivewell underwrites on cash flow first.
How are progress draws treated in underwriting?+
AR aging tied to progress draws counts toward working capital. We look at the GC paying, the contract structure, and your historical conversion of AR to cash.
Can I finance equipment with this?+
Equipment can be financed through a term loan or an equipment-specific facility. A line of credit may be considered for suitable files; we compare available structures before you commit.
How long does financing take?+
Timing depends on the product, documentation, and lender review. Additional documents may be required.
Will financing affect my bonding?+
Lender security requirements vary by offer and may matter to bonding capacity. We explain the structure before you decide.
Other industries we fund.
Ready to fund your company's future?
Start your Canadian business funding application online. An advisor will review your needs and explain any available lender offers.