For home improvement contractors

Two loans.
One complete
funding solution.#0d2b1f

Stop turning down work because you

can’t front materials. The right 

SBA capital stack lets you start every

job on day one — and keep 

your crew moving between draws.

See What you Qualify For
How it works
2–3 wks
Average time to funding
 
$50K–$5M
Loan range across programs
SBA
Government-backed rates & terms
 
$0
Cost to get matched
The contractor cash flow gap

You have the work.
The money comes later.

Every home improvement contractor knows this cycle. Contracts are signed. Materials need to be ordered. Crews need to be paid — now. But draw schedules lag, clients pay slow, and jobs stack up faster than cash comes in.

  • ⏳
    Draw schedules don’t match expensesYou’re paying for materials and labor 2–4 weeks before the first draw arrives.
  • 💳
    Credit cards fill the gap — at 20%+ APRUsing personal credit to float a business is expensive and unsustainable at scale.
  • 🚫
    You’re turning down jobs you can’t afford to startGood work goes to competitors because you don’t have the capital to mobilize.
  • 🔧
    Equipment limits your capacityRenting equipment on every job adds up. Ownership builds margin.
The capital stack

Two loans. One lender.
Every problem solved.

Generedge matches contractors to SBA lenders who can offer two lending products to the same borrower at the same time with a maximum loan total of $5 million.

Combined maximum loan of $5 million from one SBA lender
Why this structure works

Built for how
contractors actually work.

Most lenders treat contractors like any small business. SBA lenders who specialize in construction understand the job cycle — and structure capital around it.

One underwrite

A single lender holds both products. One credit file, one closing, one relationship. They know your full picture before they approve anything.

Revolving access

The CAPLine doesn't expire between jobs. As you repay draws, the line resets — so you can mobilize on the next contract without reapplying.

SBA guaranteed

Government backing means lenders can offer better rates, longer terms, and lower down payments than conventional business loans.

Scales with your backlog

The CAPLine advances against each new signed contract. The more work you sign, the more capital you have access to — automatically.

2–3 week close

Generedge targets closings in 2–3 weeks vs. the 45–60 day industry norm. We handle packaging, lender matching, and coordination.

No cost to match

Generedge's matching service is free to contractors. We're compensated by lenders at closing — never by borrowers.

The process

From application to
funded in weeks.

We’ve removed every step that doesn’t need to be there. Most contractors get a preliminary decision within days.

01

Tell us about your business

A short intake — revenue, time in business, how you use capital. No hard credit pull at this stage.

10 minutes

02

We match you to lenders

Generedge identifies SBA lenders in our network who specialize in contractors and offer both products.

Same day

03

Application & underwriting

We package your file and submit. Our team coordinates directly with the lender to move it through underwriting.

1–2 weeks
04

Close & fund

Sign documents, access your term loan, and activate your CAPLine. Your first contract draw is available immediately.

Days 14–21
Get started

Stop leaving work
on the table.

Find out what you qualify for in minutes. No hard credit pull. No fees. No obligation — just a clear picture of the capital available to your business.

See What you Qualify For
How it works