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Who We Help

Construction Company Business Funding in Canada

Construction contractors deal with one of the most severe receivable gaps in any industry. Oakridge Funding bridges the months-long gap between mobilization costs and final payment, so you can take on more contracts, not fewer.

Get Funded in 48 Hours
Up to $300,000 Funded in 48 Hours No Collateral Required Canadian Businesses Only
Understanding Your Industry

Construction Cash Flow Is a Different Problem Entirely

Canadian construction contractors face one of the most extreme cash flow gaps in any industry. You mobilize workers, rent equipment, purchase materials, and pay subcontractors weeks or months before you receive your first progress payment, and the final holdback may not be released for 30-90 days after project completion. GC payment terms of net-60 or net-90 are common. When you're running two or three projects simultaneously, this receivable gap can run into the hundreds of thousands. Traditional lenders don't understand the project-based nature of construction billing, Oakridge Funding does.

Slow Receivables & Holdbacks

Progress billing on large projects can take 30-60 days to process, and statutory holdbacks (typically 10%) aren't released until well after substantial completion. Meanwhile, your workers, material suppliers, and equipment rentals all require timely payment. A working capital advance bridges this gap.

Equipment Costs & Breakdowns

A broken excavator or a failed concrete pump on a time-sensitive project can cost you far more in delays and penalties than the repair itself. Fast access to equipment repair capital, or funding to rent replacement machinery, can save a contract from going sideways.

Payroll During Project Gaps

Your trades crew expects their paycheque every two weeks, regardless of whether your GC has paid your latest draw. Maintaining payroll continuity through project gaps and slow GC payments is critical to retaining your skilled workforce in a tight labour market.

What We Offer

Funding Designed for How Construction Businesses Bill and Get Paid

We fund construction companies based on their revenue history and the strength of their pipeline, not just their current bank balance. Our solutions are calibrated to the realities of project-based billing cycles.

  • Receivable bridge funding while waiting on GC payments and holdback releases
  • Equipment repair and rental capital to keep projects on schedule
  • Payroll coverage during the gap between project draw submissions and payment
  • Material pre-purchase capital to lock in prices before project start
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Construction project funded by Oakridge Funding
How It Works

Three Steps Between You and Project Capital

Construction businesses can't wait weeks for a lending decision. Our process is built to move at the pace of your project schedule.

1

Apply in Minutes

Complete a simple online application in under 10 minutes. We review your monthly revenue and banking history, no full project accounting packages or bonding documentation required.

2

Same-Day Decision

Our team assesses your application the same business day and delivers a transparent offer. Know your approved amount and repayment structure before you sign anything.

3

Funds Within 48 Hours

Accept your offer and funds are wired directly to your business account within 48 hours. Deploy immediately to cover payroll, materials, or equipment costs.

Construction crew on a Canadian job site
Active construction project

Don't Let Slow Payments Slow Your Business Down

Canadian construction companies trust Oakridge Funding to bridge the receivable gap, so you can bid confidently, mobilize quickly, and keep your crews working.

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