Financing built for the gap between work done and money paid
Construction runs on a structural mismatch: you fund labor and materials up front, then wait 30, 60, or 90 days to be paid — and a slice of that is held back as retainage until the job closes out. On paper the business is profitable. In the bank account, every new contract makes the squeeze worse before it makes it better.
Where it squeezes
- 01Retainage holding back 5–10% of contract value long after the work is done
- 02Net-30 to net-90 terms from general contractors and developers
- 03Payroll and subcontractor payments that cannot wait on a draw schedule
- 04Material costs due at order, months before the progress billing clears
- 05Mobilization costs on a new job while the last one is still collecting
What owners use capital for
- Covering payroll between progress draws
- Buying materials for a newly awarded contract
- Mobilizing crews and equipment onto a new site
- Bridging retainage on completed jobs
- Purchasing or replacing heavy equipment
What construction businesses most often use — in order.
Invoice Factoring
B2B businesses carrying real receivables from slow-paying customers.
- Amount
- Up to 90% advance rate
- Term
- Per-invoice, no long-term contract
- Speed
- Fast once your account is set up
- Cost basis
- A discount on the invoice face value
- Scales with your receivables
- No long-term contract
- Your customer's credit matters most
Only works if you invoice other businesses — there is nothing to advance against otherwise.
Compare structuresBusiness Line of Credit
Businesses that want capital on standby for recurring or unexpected needs.
- Amount
- $10K – $250K revolving
- Term
- Revolving, typically renewed annually
- Speed
- Days to set up, then draw on demand
- Cost basis
- You are charged only on what you draw
- Draw and repay on your schedule
- Pay only for what you use
- Replenishes as you repay
Approval amounts are usually smaller than a term structure, and the line must be maintained.
Compare structuresWorking Capital
Businesses that want a fixed schedule and a clear payoff date.
- Amount
- $5K – $2M
- Term
- 3 – 24 months, typical
- Speed
- Days, once your file is complete
- Cost basis
- Fixed total cost disclosed before signing
- Predictable payment schedule
- No collateral required
- Clear payoff horizon
Less flexible than a line of credit — you take the full amount up front and repay on a set schedule.
Compare structuresEquipment & Expansion
Businesses making a larger, longer-horizon investment.
- Amount
- $25K – $2M
- Term
- 12 – 36 months, typical
- Speed
- Days to a couple of weeks
- Cost basis
- Cost reflects the asset and the term
- Asset-backed options
- Longer terms spread the cost
- Preserves working cash
The capital is purpose-bound to the asset or project, not general-use cash.
Compare structuresAmount ranges and timelines are typical ranges, not guarantees. All financing is subject to underwriting review; product availability and terms vary by applicant.
Asked and answered.
Fuel and drivers are paid this week. The broker pays in 30 to 45 days. That gap is the whole business problem.
Insurance reimbursement lag turns profitable practices into cash-tight ones. The revenue is real; the timing is not yours.
Weekly payroll against net-45 client terms. Every new contract widens the gap before it closes it.
Get a straight answer for your business.
Soft inquiry only. Three documents to start. A real person reviews your file.