Construction & Trades
Contractor finance: progress billing, retainage, bonding capacity and the working-capital gap that kills profitable builders.
- Construction & Trades
Financing Equipment in a Trades Business: Term, Utilization and Structure
Match the term to the useful life, size the payment against billable hours, and know when renting beats owning. The arithmetic behind equipment decisions.
- Construction & Trades
Bonding Capacity: What a Surety Measures and Why Your Lender Cares
Surety and bank credit read the same balance sheet and want different things. How single and aggregate limits get set, and how to raise capacity.
- Construction & Trades
Progress Billing and Draw Schedules: Getting Paid for Work Already Done
The schedule of values you sign at buyout sets your cash position for months. How to structure billings and avoid the pay-app rejections that cost 30 days.
- Construction & Trades
Retainage: The Five to Ten Percent That Decides Whether You Can Grow
Retainage is profit you have earned and cannot spend. How to model the balance, what it does to liquidity, and how lenders treat it in a borrowing base.
- Construction & Trades
The Contractor Cash Flow Gap: Financing Work You Have Already Performed
Payroll runs weekly. Owners pay in 45 days. How to measure the gap between work performed and cash received, and what actually closes it.
Programs in this area
The financing these articles describe, with the numbers and documentation each one requires.
Finance the gap between the work and the payment.
No credit pull to start. You will get a straight answer on where the file stands.