Funding for Painting Contractors
Painting runs on labor you pay weekly against invoices that pay monthly or worse. An advance against your deposits closes that gap, and remittance flexes with revenue when winter thins out the exterior work.
Commercial painting is a financing business that happens to involve paint. You front the labor, the materials, the lift rentals, and the insurance, then wait for a general contractor's pay cycle to catch up — net-30 if you are lucky, net-90 on plenty of jobs, with retainage held on top. Meanwhile the next project mobilizes and wants the same cash all over again. A bank sees thin margins and no collateral; Broadway sees the deposits moving through your account. Three months of bank statements, one short form, a soft credit pull, and a same-day decision. Funding in as little as 24 hours means you can take the bigger contract instead of passing because payroll could not stretch.
The challenge
Your painters get paid Friday. The GC pays you net-30 to net-90 — if the pay app clears on the first pass. Add lift rentals, sprayers, and a few hundred gallons of paint per job, and you are the bank for everyone above you.
How Broadway Advance helps
Painting runs on labor you pay weekly against invoices that pay monthly or worse. An advance against your deposits closes that gap, and remittance flexes with revenue when winter thins out the exterior work.
What owners use it for
- Cover weekly crew payroll while GC pay apps work through net-30 to net-90 cycles
- Buy paint and sundries in volume for a large commercial job
- Rent or buy lifts, sprayers, and scaffolding for the next mobilization
- Float retainage held back until project closeout
- Carry the company through the winter slowdown on exterior work
- Cover insurance and bonding requirements on bigger contracts
See your real number in about five minutes.
Apply nowFunding options that fit painting contractors
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Painting Contractors funding questions
We are profitable on paper but always short on cash. Will that read badly?
It reads like a painting contractor. Profit on the P&L and cash in the bank are two different timelines in your trade, and the funders we broker for understand that. Underwriting runs on three months of bank statements — deposits coming in, payroll going out — not on whether your receivables column is fat. If money moves through the account, you have a case. One short form, soft credit pull, same-day decision.
Should I take an advance or just push the GC to pay faster?
Push the GC — always. But you already know how that conversation goes on a net-60 contract, and an unpaid pay app does not make payroll on Friday. An MCA costs more than bank money; the honest math is whether covering two more payroll cycles lets you finish the job and bank the margin. If it does, the cost is a line item. If your credit is strong and the need is not urgent, a term loan is cheaper — ask us to run both.
Does winter kill our chances of approval?
A slow season does not disqualify you, but timing matters. Apply on the strength of your busy months — that is when the statements look like your business actually looks. A merchant cash advance also has seasonality built in: remittance follows your revenue, so a thin January costs you less per week than a packed June. If you know winter is coming, get the capital arranged in the fall, not in February.