Iron Set Capital
Built Exclusively for Construction Companies
Approvals Available in as Little as 24–48 Hours*
Access to a Nationwide Lending Network
We back the people who build America.
The reality on the ground
Your business is growing. Your cash flow can’t keep up.
You win the bid, mobilize the crew, and buy the materials—then wait 60 to 90 days to get paid. Traditional banks weren’t built for that gap. We were.
Slow-paying clients
Net-60 and net-90 terms leave you fronting costs for months before a single invoice clears.
Payroll won’t wait
Crews, subs, and suppliers need to be paid on time—every week—no matter when the check arrives.
Equipment can’t stall
A broken machine or a bigger job means you need capital for equipment now—not next quarter.
Banks don’t get it
Rigid underwriting and endless paperwork ignore how construction businesses actually earn.
Built for builders
Funding that works the way you do.
One partner, multiple funding tools—matched to your jobs, your billing cycles, and your growth. No rigid boxes, no banker runaround.
Equipment Financing
Buy or upgrade machinery, trucks, and tools without draining your reserves.
New and used equipment
Terms up to 72 months
Preserve working capital
Working Capital
Bridge the gap between payroll and payment so every job keeps moving.
Cover payroll & materials
Fund multiple jobs at once
Draw only what you need
Flexible Funding
Lines of credit, invoice factoring, and SBA options—structured around your goals.
Revolving lines of credit
Invoice factoring
SBA-backed programs
Why Iron Set
A capital partner that speaks construction.
We’re not a generic lender with a construction landing page. Everything we do is built around how contractors bid, bill, and build.
We know the industry
Underwriting that understands retainage, progress billing, and seasonal swings.
Answers in 24–48 hours
Fast, straight decisions—so you can commit to the job with confidence.
Relationships, not transactions
A dedicated partner who learns your business and grows with it, job after job.
We back the builders
Real capital for the crews framing, paving, and wiring the country forward.
24–48h
Typical approval time
$2M+
Funding available per client
15+
Construction trades served
How it works
From application to funded in three steps.
No stacks of paperwork. No waiting weeks for a maybe. A simple process built for people who’d rather be on the jobsite.
01
Apply in minutes
Share a few basics about your business and the funding you need. No mountain of documents to start.
02
Get matched & reviewed
A construction-savvy specialist structures the right option and reviews it—usually within 24 to 48 hours.
03
Get funded
Approved capital hits your account so you can make payroll, buy materials, and take the next job.
Industries we serve
Capital for every corner of the trade.
From single-crew specialists to multi-site GCs, we fund the businesses that build, dig, wire, and pave.
General Contractors
Excavation & Earthwork
Concrete & Masonry
Roofing
Electrical
Plumbing
HVAC
Framing & Carpentry
Paving & Grading
Utilities & Infrastructure
Commercial Build-Outs
Demolition & Site Prep
Questions & answers
Straight answers, no fine-print games.
How fast can I get funded?
What credit score do I need?
Do you require collateral?
What do I need to apply?
Can I get funded for a specific job?
Will this affect my bonding capacity?
Ready when you are
Stop fronting the cost of your own growth.
Get matched with the right funding for your next job—often within 24 to 48 hours. It only takes a few minutes to start.