LOCAL EXPERTISE. REAL RELATIONSHIPS. BUILT FOR BUSINESS.
Business Banking for Colorado Contractors and Construction Companies
You do not get paid on a schedule. You get paid in stages, on draws, with retention held back until the job closes. Meanwhile payroll runs every week, the fuel and materials bills do not wait, and the next bid needs cash behind it. Most banks were not built for that rhythm. InBank is.
We believe in the lost art of relationship banking. That means a business banker who understands construction cash flow, and lending decisions made here in Colorado, not routed to a regional committee two time zones away. You work with people who know your name and your business, not a call center. Stop working around your bank and start working with one.
01/10
Business banking built around your projects and crews
Contractors run on timing. Construction is not one business either. A general contractor managing draws and subs has different needs than a specialty trade buying materials job to job. We bank both, and everyone in between, with a setup that gives you room to move while you wait on the next payment.
We work with
- General contractors juggling progress billing, retention and a bench of subcontractors to pay on time;
- Specialty trades and subcontractors such as electrical, plumbing, HVAC, concrete, framing and excavation that live and die by materials spend and crew scheduling;
- Construction and development firms managing draws, job costs and seasonal cycles across multiple projects.
Progress billing means money arrives in pieces. Retention holds back part of what you earned until the end. Crew payroll is due every week no matter what. InBank builds around those realities instead of asking you to bend to a big-bank template.
02/10
Business checking that works the way your projects do
You need accounts that give you clarity and control over where the money is going. Separate accounts by job or entity and you can see each project on its own terms. InBusiness Checking comes in six tiers, each with online banking, mobile banking and mobile deposit, so the day-to-day runs from the field or the office.
With InBank, you can expect:
- Straightforward account structures you can separate by job or entity;
- Treasury management tools that give you cash-flow visibility plus fraud controls on large payables;
- Digital banking with online banking, mobile banking and mobile deposit.
The account should move at the speed of your decisions, not slow you down between draws.
03/10
Colorado construction banking with local decision-making
This is the part big banks cannot copy. At InBank, lending decisions are made locally in Colorado and New Mexico, not routed to a regional committee. Credit decisions are made locally by experienced commercial bankers who understand construction and understand this market. That matters when a bid deadline is close, a piece of equipment goes down, or a draw is late and you need a line to bridge the gap.
What that means for you
- Credit decisions made locally by experienced commercial bankers;
- Direct access to the decision-makers, so you are not explaining your business to a stranger every time;
- Faster timelines that match project schedules, with the same team from application through servicing.
You talk to a banker who can actually make a call, and the same team stays with you as the job moves.
04/10
DAY-TO-DAY BANKING
Tailored financial solutions for contractors of all sizes
You do not need every product. You need the ones that solve the problem in front of you. Our capabilities include deposit and cash management, lending and credit support, and treasury management, each set up around how construction actually runs.
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Deposit and cash management solutions
Job business checking lets you separate accounts by job or entity so you can see where the money is going. InPayables handles accounts payable so you can upload one payment file and pay subs and suppliers by check, ACH or virtual card, working with your existing accounting system. Positive pay and payment controls protect large payables from check and ACH fraud. InBank does not guarantee a particular rebate amount.
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Lending and credit support
InBank lending covers construction loans, equipment term loans for machinery and vehicles, working capital lines of credit for the gaps between draws, and owner-occupied real estate loans, all underwritten and serviced locally through InBank business lending. We do not quote a rate or a term here; a local banker walks you through the options for your business. All loans and lines of credit are subject to approval.
Treasury management
Treasury tools give you cash-flow visibility plus ACH origination, wire transfers and fraud controls, including check positive pay and ACH positive pay that help stop payments that should not clear. Commercial purchasing cards and the InBusiness card let you set spending limits by role, restrict merchant categories, and turn cards on or off for materials spend. The card program may provide up to 55 days of extended cash flow, depending on purchase timing and account terms.
05/10
SMALL BUSINESS FOCUS
Small and growing contractors with a relationship focus
Whether you run a two-truck crew or a growing firm, you get a banker who knows your name and your business. We support small and growing contractors with tools that fit the job today and scale as the work grows.
- One team, application through servicing, not a call center that starts you over each call;
- A business banker who understands construction cash flow and knows your business by name;
- Checking, treasury, cards and lending that scale as your crews and projects grow.
06/10
BANKING PARTNER
A banking partner that understands construction
A bank account should do more than hold your money. It should move at the speed of your decisions. When you switch to InBank, the Business Concierge Experience handles the full move so you are not stitching accounts together on your own time, and your treasury tools connect to your accounting system so payments, deposits and reconciliation work together.
- Guidance grounded in construction cash flow, from progress billing to retention to equipment costs;
- Solutions aligned to how the work is paid, with fewer manual steps and a clearer picture of your cash from the field to the office;
- Long-term relationships that outlast any single project, with the same team beside you.
07/10
Community commitment that goes beyond banking
InBank was built by owners and investors who understand business operations, and we bank the Colorado businesses that build the state. Relationship banking means showing up for the communities where our clients work, not just holding their accounts.
- Support local organizations and the trades that keep Colorado building;
- Long-term relationships with contractors and businesses across Colorado and New Mexico;
- Invest in the local economy through local lending and local decisions.
08/10
Partner with a trusted business banking team
When you switch to InBank you are not stitching accounts together on your own time, and you are not explaining your business to a stranger every time you pick up the phone. You get a team that maps our tools to how your construction business actually runs.
- Direct access to bankers who can actually make a call;
- Local decision-making in Colorado and New Mexico, not routed to a regional committee;
- Solutions tailored to how your construction business runs, from checking to lending.
09/10
COMMON QUESTIONS
FAQ about business banking for Colorado contractors
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01 What makes InBank different for contractors?
InBank is built for construction cash flow and relationship banking. Lending decisions are made locally in Colorado and New Mexico, not routed to a regional committee, and the same team stays with you from application through servicing. Business checking, treasury management, InPayables, commercial purchasing cards and commercial lending are each set up around how your company runs.
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02 Do you work with small contractors and subcontractors?
Yes. We bank general contractors, subcontractors and specialty trades, from a small crew to a growing firm. Subcontractors waiting on the GC while payroll and equipment costs keep moving get tools built for those gaps, including working capital lines of credit. All loans and lines of credit are subject to approval.
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03 What types of construction businesses do you work with?
General contractors, subcontractors, specialty trades such as electrical, plumbing, HVAC, concrete, framing and excavation, and construction or development firms. The cash-flow realities of progress billing, retention, crew payroll and equipment costs are the same across all of them, and we build around those realities.
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04 Can I open a business checking account?
Yes. InBusiness Checking comes in six tiers, each with online banking, mobile banking and mobile deposit, and you can separate accounts by job or entity to see where the money is going. Talk to a banker to match the right tier to how your business runs.
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05 How does local decision-making help on project timelines?
When a bid deadline is close, a piece of equipment goes down, or a draw is late, you talk to a banker who can actually make a call, because credit decisions are made locally by experienced commercial bankers. That means faster timelines that match project schedules instead of a wait on a committee two time zones away.
10/10
BUILT FOR COLORADO CONTRACTORS
Learn why contractors choose InBank
See how Colorado contractors and construction companies use local decision-making, treasury tools and construction lending to plan around draws and keep crews paid. Explore the full business banking lineup to learn more.
Get started with business banking for your construction business
Talk to a business banker who understands construction. Call 1.877.550.2321 or contact an InBank banker, and we will map our tools to how your business actually runs. InBank serves Colorado and New Mexico. Routing number 102200245. Member FDIC. Equal Housing Lender. All loans and lines of credit are subject to approval.