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Construction & trades funding
Funding for contractors that keeps up with the jobs you win.
Winning a bigger contract usually means paying for crews, materials and equipment weeks before the customer pays you. Bayside is a Miami-based capital advisory firm. We compare equipment financing, lines of credit, term loans and receivables financing for contractors and trade companies, and show you what each really costs before you sign.
General contractors · HVAC · roofing · electrical · plumbing · specialty trades
Where the cash gets stuck
The work is there. The cash shows up later.
Payroll before payment
Crews get paid every week. Draws, progress billing and net-30 to net-60 terms mean the customer pays on a different clock.
Materials up front
Suppliers want paying when the order ships, often before the first draw comes in.
Retainage
A slice of every invoice can sit with the customer until the project closes out. It is your money, and you can’t use it yet.
Equipment that pays for itself
A truck, a lift or an excavator can open bigger jobs. Buying it in cash drains the reserve you need to run those jobs.
Funding options
Match the funding to the job, not the other way round.
We compare options across a network of independent funding partners and explain which ones fit your situation, not just what is easiest to sell.
Equipment financing
The equipment is the collateral, so your working capital stays free for the job. Payments run over the useful life of the asset.
Compare options → 02Business line of credit
Draw for payroll and materials when a job ramps up. Pay it down when the draw lands. Built for the gap between billing and getting paid.
Compare options → 03Receivables financing
Get cash against invoices you have already sent to commercial or government customers. What a lender will advance depends on your customers, your billing terms and retainage.
Compare options → 04Term loans & SBA
Fixed payments for a bigger move: a new yard, more trucks, buying out a partner or another company. Slower to close, and usually cheaper than short-term options when the file supports it.
Compare options → 05MCA consolidation
Still paying off an MCA you took to cover payroll? We look at whether a term structure can replace daily MCA payments while your customers pay monthly.
Compare options →Paying an MCA daily while your customers pay in 60 days can drain a profitable company.
Before you apply
What a strong contractor file looks like.
Lenders read a construction company differently from a store. Bring these and the file reads the way underwriters need it to.
Meet your funding advisors- Two or more years in business, with business bank statements that show the deposits.
- A work-in-progress or backlog list: contract values, percent complete and expected billing dates.
- An accounts receivable aging report, if you are financing invoices.
- Quotes or invoices for the equipment, if you are financing equipment.
- A list of any loans or MCAs outstanding, with balances and payments.
Who we work with
Built for established operators.
Bayside works with established businesses, usually with at least two years in business, around $40K or more in monthly revenue, and a funding need of $100K or more. What each lender requires depends on the product.
You may be a strong fit if you run:
- General contractors and builders
- HVAC, electrical and plumbing companies
- Roofing and exterior contractors
- Specialty trades and subcontractors on commercial work
How it works
Simple. Transparent. Built around your numbers.
Tell us about your business and goals
A short call to understand the business, the project and the timeline. Then we tell you exactly what underwriters will want to see.
Get your free Capital Strategy Report
Every option you qualify for, what each really costs, and a straight recommendation. It takes a short application and 3–4 months of business bank statements.
Move forward with the option that fits
You choose the structure. We package the file, work it with the lenders, and stay with you after it closes.
Bayside acts as a commercial lending broker and capital advisory partner, connecting you with approved commercial funding providers. All funding is subject to lender review and qualification.
Quick questions
Construction & trades funding, answered.
Can you help if my customers pay on net-60 terms?
Yes. That gap is what a line of credit or receivables financing is for. Which one fits depends on who your customers are, how you bill and how much retainage they hold. We compare both against your actual billing cycle.
Should I finance equipment or pay cash?
It depends on what the cash is doing now. If paying cash leaves you short on payroll for the next job, financing the equipment usually protects the business better. We show you the total cost both ways.
I took an MCA to get through a slow stretch. Can you still help?
Yes. We look at whether MCA consolidation or a term structure can replace daily MCA payments while your customers pay monthly. What is possible depends on your financials, credit and lender requirements. How to get out of MCA debt.
Do you work with businesses outside Miami?
Yes. We are based in Miami and focused on South Florida, and our lender network serves qualified businesses nationwide.
Find out what you actually qualify for.
A short application and 3–4 months of business bank statements. Within 24–48 hours, your Capital Strategy Report shows every option you qualify for and what each really costs.
Bayside Business Advisors LLC Copyright © | All Rights Reserved 2026
Bayside Business Advisors is a commercial finance brokerage and capital advisory firm based in Miami, Florida; not a direct lender. We help established businesses across South Florida explore commercial financing through a network of independent funding partners. Funding approvals, amounts, rates, and timelines are subject to lender review and qualification. Results described on this page are not guaranteed and may vary based on individual business circumstances, creditworthiness, and lender requirements. Bayside Business Advisors LLC does not charge upfront fees. All funding is subject to underwriting and lender approval. This page does not constitute a commitment to lend.