The Job Starts Before the Client Pays
Materials, labor, mobilization, permits, equipment, and delayed draws can make a profitable job feel like a cash hostage situation. This page helps contractors frame funding around the job economics.
Buy Before Billing
Lumber, concrete, fixtures, roofing, HVAC, and supplies eat cash before the invoice turns into money.
Payroll Does Not Care
Crews expect to get paid on schedule. Clients and draws do not always share that sense of urgency.
Tools That Make Revenue
Equipment repairs, rentals, and purchases should be connected to jobs, capacity, and revenue impact.
A contractor file lives or dies in the details.
Contract or scope
What job is being funded, when does it start, and when should cash come back?
Deposit history
Bank activity shows whether the business has the cash-flow muscle to support the request.
Draw schedule
Milestones, retainage, and client payment terms explain the gap.
Debt and liens
Existing obligations, tax issues, and liens should surface early.