Construction Material Funding: Buy Materials Now, Pay When the Draw Hits
Buy the Materials Now. Pay When the Draw Hits.
Material funding for builders, contractors and rehabbers. Your supplier gets paid today, and you get up to 90 days to pay it back. Approvals often in under 24 hours, with no blanket lien on your business.
Apply Now ▸Why material funding
Stop fronting materials out of your own pocket.
Lenders pay draws after the work is done. Clients pay after milestones. Suppliers want to be paid now. Material funding pays the supplier today and gives you time to get paid first.
Suppliers Paid Upfront
Your funding partner pays the supplier directly, so the order ships and the crew keeps working.
Up to 90 Days to Pay
Pay back after your draw, progress payment or sale comes in.
Protect Your Cash Flow
Keep your cash for payroll, subs and the next job instead of tying it up in lumber.
Capture Cash Discounts
Many suppliers offer 2 – 5% off for paying upfront. That discount can offset the cost of the funding.
No Blanket Lien
Funding is project-based, without a blanket lien on your business.
Project-Based Limits
Credit is sized to the job, so bigger projects get bigger limits.
Use Your Own Suppliers
Keep the suppliers and pricing you've already negotiated.
Built for Builders
Fix & flip, new construction, rental rehab and client jobs.
Approval in Under 24 Hours
Most requests are reviewed within a day, and once approved your supplier can be paid the same day.
How it works
From quote to delivery in a day.
Apply Online
Tell us the project, the supplier and the order. No credit pull to apply.
Get Approved
Approvals often come back in under 24 hours.
Supplier Gets Paid
Your funding partner pays the supplier directly, often the same day.
Repay on Your Terms
Pay back within your window, up to 90 days.
Program at-a-glance
The fine print, up front.
Representative terms from our material funding partner. Final terms are set by the funding partner.
- What it covers
- Lumber, concrete, roofing, windows, HVAC, electrical, plumbing, fixtures, appliances
- How it works
- Funding partner pays your supplier; you repay on your terms
- Terms
- Up to 90 days
- Approval
- Often under 24 hours
- Funding
- Same-day supplier payment in many cases
- Limits
- Project-based, sized to the job
- Collateral
- No blanket lien on your business
- Suppliers
- Most national and local suppliers
- Who qualifies
- Contractors, builders and investors with active projects
- Cash discounts
- Suppliers may offer 2 – 5% for upfront payment
- Pricing
- Fee based on amount and term, quoted up front
- Use
- Business purpose only
FAQ
Common questions
FAQ
Common questions
How does material funding work?
You pick the materials and the supplier. The funding partner pays the supplier directly, and you repay on a term of up to 90 days, usually after your draw or progress payment comes in.
Is this a loan on my property?
No. It's project-based trade financing for materials, without a lien on the property or a blanket lien on your business.
Can I use my own supplier?
In most cases, yes. Most national and local building suppliers can be paid this way.
How fast is it?
Approvals often come back in under 24 hours, and suppliers can be paid the same day.
What does it cost?
A fee based on the amount and the term you choose, quoted before you commit. If your supplier gives a cash discount for paying upfront, it can offset some or all of that fee.
I'm a flipper, not a contractor. Can I use it?
Yes, as long as you have an active project. It pairs well with a fix & flip loan whose draws come after the work is done.
Keep the crew working. Get the materials today.
No credit pull to apply. Quick approvals. No commitment.
Apply Now ▸Partner program
Suppliers & Lumber Yards: Sell More to Contractors.
Your customers want to buy more than their cash allows. Send them to LOANKWEST, get paid upfront, and keep the order.
Partner inquiries: loans@seqlending.com- Get credit on every funded deal you refer
- Keep investor clients from shopping you to a competitor
- One intake and a dedicated advisor on every file
- Your name on the application via the referral field