Revenue-Based Financing for Construction Businesses in West Virginia
Construction cash flow in West Virginia runs on a different clock than the rest of the business world. You buy materials and pay crews today. The GC pays when milestones hit — not before.
SMB Capital Funding is a direct lender — we underwrite and fund in-house, with no brokers and no middlemen. Programs range from working capital and revenue-based financing to equipment loans and merchant cash advances, with capacity up to $20 million. If your Construction business in West Virginia has consistent monthly deposits, you likely qualify — regardless of credit history.
Common cash flow pressures for Construction owners
- You won a $280K commercial build. Materials need to be on-site in two weeks. The first draw isn't until framing is complete — six weeks out.
- Your crew gets paid every Friday. The GC pays on milestone completion. Those two schedules have never once lined up.
- Bonding and insurance renewal is due before the next project starts. You don't have the cash on hand right now.
- You need to buy equipment to bid the next job. Without the equipment, you don't get the contract.
- Weather pushed the project back three weeks. Payment pushed with it. Everything else didn't.
What Revenue-Based Financing from SMB Capital Funding covers
- Payments scale with your revenue
- No fixed monthly payment pressure
- Ideal for seasonal businesses
- All credit profiles considered
- Funding from $5K to $20M
Banks typically require two or more years in business, strong personal credit, and weeks of documentation review. SMB Capital Funding underwrites on your revenue history — three months of bank statements is usually enough to get a real answer.
Whether you're operating in Charleston, Huntington, or Morgantown, or anywhere else in West Virginia, SMB Capital Funding funds Construction businesses statewide — decisions based on your revenue, not your zip code.
Ready to move forward?
Fill out the form above or call us directly. No obligation. All credit profiles considered.
Explore Revenue-Based Financing →Questions Construction owners ask us
I need to buy materials for a job that pays on draw schedule. Can you bridge that?
Yes. Working capital for contractors is designed to cover the gap between your upfront costs and milestone payments.
My revenue is project-based — lumpy, not monthly. Does that work?
We look at your deposit history over 3 months. Project-based revenue is common in construction — it doesn't disqualify you.
How do repayments work if my income isn't steady week-to-week?
Revenue-based repayment options are available — payments adjust to your cash flow. A specialist will match you to the right structure.
Can you fund fast enough for a materials order due this week?
Same-day decisions are available for qualified applicants. Many contractors receive funds within 24–48 hours of approval.
Funding Options for Construction Businesses in West Virginia
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SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.