The construction cash flow gap
Contractors pay for labour and materials upfront, then wait for progress payments — and statutory holdbacks can delay a portion of payment until project completion.
Funding options
- Equipment financing for excavators, trucks, and tools
- Lines of credit for payroll between draws
- Working capital loans to mobilize a new project
Tips for approval
Provide contracts in hand, a schedule of receivables, and bank statements that show a history of completed projects.
Frequently asked questions
Can contractors get financing for a specific project?
Yes. Many lenders fund working capital against signed contracts and your revenue history.