Tell Us About Your Business
Your trade, revenue range, and what you need funding for — takes about 5 minutes from your phone
Bridge the 60-Day Cash Gap
Front materials and payroll while clients pay net-60. Compare vetted funding offers — plain English terms, no broker markups.
Compare funding options
Step 1 of 6
Serving Texas, California, and Florida
Soft pull only. No obligation. 100% free.
Simple process
How Capital Snap Works
Capital Snap connects contractors and trades business owners to business funding options — not another pushy broker.
We take the guesswork and fine print out of comparing lenders.
Complete our 5-minute quiz to see multiple offers side by side — working capital, lines of credit, equipment financing, and more.
Get Matched with Lenders
Vetted lending partners review your profile — banks, fintechs, and specialty lenders built for lumpy contractor cash flow
You Compare. You Choose.
See APR, total payback, and terms in plain English — one dedicated advisor, no pressure to sign
These Cash-Flow Problems Cost Contractors Real Money
Payroll is due Friday but your GC won't cut a check until net-60 — and you're floating $40K in labor and materials.
You signed a profitable job but can't mobilize because materials are due before the deposit clears.
The bank took six weeks to say no — even though you've got receivables coming and a crew to pay.
You're profitable on paper but your tax returns look thin — so every lender wants more paperwork for the same slow no.
What contractors say
“Filled it out on my lunch break in the truck. Had three offers by the next morning — APR and total payback spelled out. Way better than the 45% factor-rate garbage I'd been getting.”
Mike P.Roofing contractor · Dallas
★★★★★“Bank said no after a month of paperwork. Capital Snap got me a $75K line of credit in 48 hours. Made payroll Friday and didn't have to beg my supplier for an extension.”
Robert V.General contractor · Orlando
★★★★★“I run a small HVAC crew and needed cash for a spring ramp-up. Took five minutes on my phone. Real person called back with options — not twelve lenders blowing up my line.”
James L.HVAC · Houston
★★★★★Straight answers
Frequently Asked Questions
How much does Capital Snap cost?
Nothing — comparing offers is 100% free for you. We earn a referral fee from the lender only if you choose to fund. No hidden fees from us.
Will applying hurt my credit score?
The initial quiz uses a soft credit pull so you can see options without impacting your score. A hard pull only happens if you move forward with a specific lender.
How fast can I get funded?
Many owners receive multiple offers within 24 hours. Funding speed depends on the product and lender — some term loans fund in 1–2 business days after you accept an offer.
Are you a lender or a broker?
Neither in the way you're thinking. We're a comparison service — we connect you with vetted lending partners and help you compare offers. We don't mark up your rate.
Do I have to accept any offer?
Absolutely not. Zero obligation. Review APR, total payback, and payment schedule — only move forward if the terms work for your cash flow.
My bank already declined me. Why would this work?
Banks often decline profitable contractors because of industry risk codes and tax-optimized returns. Our partners look at real business revenue and bank data — not just a cookie-cutter bank checklist.
Ready to Bridge the Cash Gap?
Stop turning down good jobs. Stop sweating payroll Friday. Compare funding options in 5 minutes.
See My Options