Funding for Florida contractors, subcontractors and construction businesses of every trade — matched to what you can actually repay, not just what you qualify for.
From a one-truck crew to an established commercial contractor, construction runs on cash that shows up after the bills do. We match Florida construction businesses with funding that fits how your work actually gets paid.
Commercial and residential GCs covering materials, payroll and the gap between draws.
Electrical, plumbing, HVAC, roofing and finish trades bridging job costs until payment lands.
Grading, utilities, paving and hauling operations where equipment is the biggest expense.
Cover material pours and crew costs ahead of progress payments.
Cleanup, demolition and restoration work where mobilization costs come up front.
Installation, irrigation and outdoor build crews managing seasonal swings.
Home builders and renovation firms funding jobs ahead of closings and final payments.
Inspection, surveying, equipment rental and other businesses that support the job site.
Progress payments, retainage holds, and slow draws don't stop material costs or payroll. We match Florida construction businesses of every size and trade with funding built around how you actually get paid.
Banks underwrite on paperwork. We underwrite on job volume and cash flow — because a strong contractor with a temporary gap between a draw and a bill shouldn't be treated like a credit risk.
Fund a new or used piece of equipment with the asset itself as collateral, so you're not tying up cash reserves.
Cover payroll, materials, or a slow month between draws without stalling the project.
Draw what you need for bulk material buys or bid deposits, repay, and reuse without reapplying.
Turn a completed, invoiced job into cash now instead of waiting out a 60- or 90-day payment cycle.
We won't stack a cash advance on top of one you're already carrying, and we'll tell you directly if a line of credit fits your job cycle better than a faster, more expensive advance — even when the advance would pay us more.
General contractors, specialty subs, site work and excavation crews, remediation and demolition firms, builders, remodelers and other construction-related businesses across Florida. Not sure your trade fits? Send the form and we'll tell you directly.
Most of our construction partners don't set a hard credit score minimum. Approval leans on monthly revenue, job volume, and time in business instead.
Yes. Working capital and lines of credit are commonly used for crew payroll, subcontractor payments, and material deposits.
Most partners want at least a year in business and consistent monthly deposits. If you're newer than that, we'll tell you honestly rather than string out an application that won't clear underwriting.
Once matched, most working capital and equipment deals fund within 24–48 hours. Larger equipment or SBA-backed options take longer but cost less.
Tell us about your business once. We'll match you to a construction funding option — no cost to apply, and no runaround if it's not a fit yet.
No cost to apply. We'll tell you honestly if it's not a fit.
Most applications reviewed same day
King Tide Funding is a referral service, not a lender. We don't hold or move your funds — we connect you to a vetted funding partner who does.
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Plain-English breakdowns of the funding options we help contractors compare.