Facility Services
Business Funding for Painting Companies
Painting companies face a constant need for working capital because every job requires paint, primer, supplies, and labor upfront. Commercial painting contracts can run into hundreds of thousands of dollars, and payment comes in draws or at completion. Residential painting is faster to collect but harder to scale. The business grows by adding crews, and each crew needs a vehicle, equipment, and a reliable crew lead who you cannot afford to lose to a competitor.
Common Uses
What Painting Companies Use Funding For
- Purchase paint, primer, and coatings in bulk from suppliers like Sherwin-Williams or Benjamin Moore
- Outfit new crew vehicles with ladders, sprayers, scaffolding, and drop cloths
- Hire and train additional crews including crew leads, journeyman painters, and laborers
- Cover operating costs on large commercial contracts with 30 to 60 day payment terms
Funding Options
Best Funding Types for Painting Companies
Business Line of Credit
A revolving line covers paint purchases and payroll between job completions. Painting companies cycle through cash quickly on each job, and a credit line matches that rhythm better than a fixed-term loan.
Vehicle Financing
Finance work vans and trucks for additional crews. Each new crew needs a dedicated vehicle, and vehicle financing lets you scale without tying up operating cash in fleet purchases.
Invoice Factoring
Factor invoices from commercial painting contracts where payment comes on net-30 or later. This is especially useful on large commercial jobs where you have completed the work but the GC or property manager has not released payment.
What Lenders Look For
Qualification Notes for Painting Companies
Related Industries
Related Facility Services Funding
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