Coworkers
The Business Card That
Contractors Actually Qualify For
General contractors, specialty subs, and small builders — SKOOR gives you a corporate card, per-job expense tracking, and sub-contractor 1099 management. No $25K minimum. No credit check. Qualify by your Business Skoor, not your bank balance.
Why Contractors Get Left Behind
Material purchases on your personal card
You're putting $5,000–$50,000 lumber and concrete orders on a personal Visa because no bank will give a 2-year-old GC a business line without $50K+ in the account.
Paying subs with no paper trail
You Venmo your framer, Zelle your electrician, and write checks to your plumber. At tax time, you're scrambling for W-9s and praying the 1099s add up.
Per-job cost tracking is impossible
Your bookkeeper asks “What did the Elm Street job cost?” and you dig through three bank statements, a Home Depot receipt pile, and a text thread with your lumber yard.
Ramp, Brex, and banks say no
Ramp requires $25K in the bank. Brex wants $50K. Your local bank wants two years of tax returns and a personal guarantee. You're building $500K houses but can't get a $10K business card.
How SKOOR Helps Construction Companies
A complete financial platform built for businesses that Ramp, Brex, and traditional banks overlook.
High-Limit SKOOR Card
Order from 84 Lumber, HD Supply, US LBM, and ABC Supply on a real business card. Limits set by your Business Skoor score, not your bank balance.
Sub-Contractor 1099 Tracking
Add every sub. Collect W-9s digitally. Track payments all year. Generate 1099s in January with one click.
Per-Job Expense Coding
Tag every transaction to a job. Material costs, sub payments, permit fees, dump runs — all coded to Elm Street, Oak Avenue, or Unit 4B.
AP with Approval Routing
Large POs go through your approval workflow before the card is charged. Set thresholds per employee, per vendor, or per job.
Vendor Management
Track every supplier and sub in one place. Payment history, contact info, insurance certs, lien waivers — all attached to the vendor profile.
QuickBooks Sync
Every transaction syncs to QBO automatically. Your bookkeeper sees it in real time. No more shoebox of receipts at month end.
A Day with SKOOR
Your framer needs $8,000 in lumber from 84 Lumber. Swipe the SKOOR card. Receipt auto-captured. Expense coded to the Elm Street project. Your bookkeeper sees it in QuickBooks before you leave the yard. At month end, ask SKOOR “What did the Elm Street job cost?” — instant per-job P&L with every material order, sub payment, and permit fee broken out.
What You Get
- •SKOOR corporate card — no $25K minimum, no personal guarantee, limits based on your Business Skoor
- •Per-job expense coding for every transaction, every vendor, every sub
- •Sub-contractor 1099 tracking with digital W-9 collection
- •Vendor management — insurance certs, lien waivers, payment history
- •QuickBooks sync so your bookkeeper never asks for a receipt again
- •Business Skoor (0–1,000) that grows with your revenue — your credit limit grows with it
Build your business credit
while you build houses.
Get started for free. No credit check. No minimum balance. Your Business Skoor score qualifies you — not your bank.