Time in business
Around six months of operating deposits is a common starting conversation.
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Industry
Draw schedules do not pay Friday’s crew.
Retainage sits. Change orders linger. Suppliers invoice on their clock — not the owner’s.
The cash cycle
Coastal and inland builders fund lumber, concrete, and labor weeks before a draw clears. We look at GC concentration, weather delays that stack, and whether an existing advance already takes a weekly bite out of the same deposits.
We read the deposit pattern for concentration in one GC, back-to-back draws that never quite clear, and existing advances already taking a daily or weekly bite. A single large receivable is not the same as a diversified book of work.
How operators typically use funds
- Materials and subcontractors ahead of a draw.
- Payroll across a weather delay or inspection hold.
- Equipment that belongs on an asset schedule, not a working-capital debit.
- Bridge capital while retainage is held.
Structures we often discuss
- Short-term loan or lineFor a defined gap between labor and the next draw.
- Invoice factoringWhen billed work is real and the payer’s credit is the story.
- Equipment financingWhen the asset — not the draw schedule — is the plan.
Eligibility snapshot
A starting frame — not a decision.
Revenue
Around $15,000 in monthly deposits is a common starting conversation. Project-heavy books need statements that show the pattern, not one lucky month.
Credit
Personal credit near 500+ is often discussed, along with existing obligations in the trade.
What we watch in this trade
Concentration risk, bonded vs. unbonded work, and whether “growth” is simply more of the same GC that already pays late. Disclose existing advances early.
Soft inquiry to start. Applying is free and is not an offer of credit.