A flexible line of credit built for carpentry businesses
Manage materials, payroll, and project delays with on-demand working capital, without the paperwork and wait times of a traditional bank line.
Credit limits from $5,000 to $100,000- Apply online in 5 minutes
- Funds available as fast as the same day
Trusted by small business owners across the U.S.
Why owners trust Loot
Business owners choose Loot because it's straightforward, transparent, and built around how small businesses actually operate.
Clear and transparent pricing
See your exact rate and terms before you accept.
Fast online decisions
Apply in 5 minutes, funds as fast as same day.
Loved by business owners
4.8/5 on Trustpilot from 150+ reviews.
Real reviews from trades like yours:
“Straightforward process, covered materials fast when client was slow.”
- Construction owner
“No FICO minimum made it possible; repaid early and saved on fees.”
- Small business owner
How it works
A Loot line of credit gives you a standing source of working capital you can draw from when you need it and repay as cash comes in.
Apply online
Connect your business bank account and answer a few questions about your business—no lengthy document package.
Get your credit limit
Receive a line of credit from $5,000 up to $100,000, based on your business performance and banking history.
Draw, use, repay, reuse
Move funds to your business bank account as fast as the same day and only pay interest on what you use. When you repay, your available credit refreshes.
Save when you repay early
Loot rewards fast paybacks with steep discounts on outstanding fees—up to 50% off for short-term project funding so it won't sink your margins.
Are we a match?
Have you been in business for at least 12 months?
Do you generate $200,000 or more in annual revenue?
Do you operate with a dedicated business bank account?
Answer yes? Then apply today or speak to our lending team.
Loot vs. Traditional Bank
| Need | Loot line of credit | Traditional bank |
|---|---|---|
| Time to apply | 5 minutes online | Days to weeks |
| Documents needed | Bank link only | Financials, taxes, collateral |
| Credit requirements | No minimum FICO | Strict score + personal guarantee |
| Funding speed | Same day | 3-10+ business days |
| Reuse after repayment | Yes, revolving | Often one-time term loan |
Loot gives trades like yours reliable capital without the hassle.
FAQ
You can use your line to buy materials, cover labor, rent tools or equipment, handle change orders, and bridge cash flow gaps when clients or GCs pay on longer terms.
Once you complete the online application and link your business bank account, many trades businesses receive a decision quickly, with funds available as fast as the same day if approved—so you can move on materials and labor without waiting.
Checking your options with Loot does not require a hard credit pull, so your personal credit score isn't affected just to see if you qualify. If you move forward and accept an offer, additional checks and requirements may apply.
Carpentry businesses that have been operating for at least 12 months, generate $200,000 or more in annual revenue, and use a dedicated business bank account are typically a good fit to qualify—whether you focus on framing, finish work, or custom builds.
With a line of credit, you're approved for a limit and draw only what you need for each job; you repay over time, and your available credit refreshes as you pay it down. A term loan is a one-time lump sum with a fixed repayment schedule.
Industries
Plumbing
Keep projects flowing without leaks in your cash flow.
Carpentry
Keep projects nailed down without cash flow coming loose.
Towing
Keep trucks rolling without cash flow getting towed.
Janitorial services
Keep crews working and supplies stocked when client payments lag.
Residential remodelers
Keep remodels moving when cash flow gets stuck between milestones.
Landscaping
Keep crews moving when cash flow gets caught in the weeds.
HVAC contractors
Keep heating and cooling jobs moving when cash flow gets stuck between seasons.
Ready when your business is
If you are tired of fronting materials, worrying about payroll, or turning down projects because the timing does not work, a line of credit can give your carpentry business more control over cash flow.
Get your line of creditNo minimum FICO score required to apply, and credit score not affected to check your options.
Apply for a carpentry line of credit today
