Build bigger projects with the right capital behind you
Construction businesses live and die by cash flow timing. You pay for materials, labor, and equipment weeks or months before the client pays you, and net-60 or net-90 payment terms are standard across the industry. Bay Street Lending connects contractors, GCs, and specialty trades with financing designed for the construction cycle — so you can take on bigger projects and grow your operation. From invoice factoring that turns receivables into same-day cash to equipment financing for heavy machinery, our 50+ lender network has the depth to support projects of any size.
Net-60 or net-90 payment terms are standard. Invoice factoring and working capital keep cash flowing between payments.
An excavator costs $100K–$500K. Equipment financing lets you bid on bigger jobs without buying outright.
New projects require upfront material purchases and crew mobilization. Working capital gets you started fast.
Yes. Government invoices are actually preferred by factoring companies because of their reliability. Advance rates are typically 90%+.
Excavators, loaders, bulldozers, cranes, concrete mixers, generators, and any other construction equipment. New and used.
Absolutely. Subcontractors, specialty trades, and general contractors all qualify. Revenue and time in business matter more than your role.
Submit your unpaid invoices and receive 85–95% of their value within 24–48 hours. When your client pays, you get the remaining balance minus a small fee.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.