Key Takeaways
- Construction business funding from $50K to $1M for T visa holders
- General contractors, subcontractors, and specialty trades all qualify
- Fund equipment, payroll bridges, and bonding for new contracts
- No green card required — Bankable evaluates construction contract revenue
- Confirmed job contracts strengthen your Bankable application significantly
Construction businesses run by T visa entrepreneurs are building America — literally. General contractors, specialty subcontractors, and construction service companies owned by T visa holders generate substantial contract revenue across residential, commercial, and infrastructure projects. Bankable provides capital that keeps construction businesses moving: equipment financing, payroll bridges, and working capital for contract execution.
Construction Business Economics for T Visa Owners
A general contractor with 5-10 workers can generate $1-3 million in annual contract revenue. Specialty subcontractors — electricians, plumbers, HVAC technicians, drywall installers, painters — typically generate $500,000-$1.5 million. The construction industry's cash flow challenge is well-documented: you spend on labor and materials weeks before you receive payment from the general contractor or property owner.
T visa holders who have worked in construction — as laborers, tradespeople, project managers, or subcontractors — have the operational knowledge to run construction businesses. The most common path is from subcontractor employee to licensed subcontractor to general contractor — each step requiring capital for licensing, equipment, bonding, and working capital.
What Construction Funding Covers
- Equipment Financing: Excavators, lifts, compressors, tools, and vehicles with the assets as collateral
- Payroll Bridge: Fund weekly payroll while waiting for draw payment from the general contractor
- Materials Capital: Purchase materials upfront for fixed-price contracts
- Bonding Support: Access capital to meet bonding requirements for larger public contracts
- Bid Preparation: Fund the estimating, bonding, and mobilization costs of pursuing larger jobs
Job Pipeline as Bankable Revenue
Construction businesses with signed contracts and a documented job pipeline have strong Bankable profiles. A contractor with $500,000 in signed contracts for the next quarter has visible, near-certain future revenue that supports working capital needs for current project execution.
A construction business generating $50,000/month in contract revenue can typically access $100,000-$400,000 through Bankable. Check your Bankability Score.
Equipment Financing
Finance excavators, lifts, and specialty equipment with assets as collateral for lower rates.
Explore →Payroll Bridge Capital
Cover weekly payroll while waiting for GC draw payment — keep your crew working.
Explore →Contract Mobilization
Fund materials and startup costs for new construction contracts before the first payment.
Explore →Frequently Asked Questions
Yes. Bankable funds construction businesses owned by T visa holders based on contract revenue. No green card or SBA eligibility is required.
Most products require $30,000+ in monthly gross contract revenue. Equipment financing may be available with less revenue history when the equipment serves as collateral.
Yes. Payroll bridge financing is one of the most common uses of construction working capital. We advance funds against your job pipeline so your crew stays paid.
Yes. Equipment financing for construction machinery — excavators, lifts, compressors, vehicles — is available with the equipment as collateral. Lower rates than unsecured working capital.
General contractors, drywall, painting, electrical (with licensed electrician), plumbing, HVAC, concrete, landscaping, and specialty trade contractors all qualify with adequate revenue.
Up to $1,000,000 depending on monthly contract revenue and job pipeline. General contractors with $100,000+/month in contracts may access the upper range.
Signed construction contracts demonstrate future revenue that supports working capital needs. Include your contracts and job schedule in your application to strengthen your profile.
Most working capital decisions are made within 48-72 hours. Equipment financing may take 3-5 business days. Funded amounts deposited within 5 business days of approval.