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Construction & Contractor Capital
Structured working capital for payroll, mobilization, materials, and expansion across active projects.
ELIGIBLE OPERATORS
- •General contractors
- •Electrical, Plumbing & HVAC
- •Concrete & masonry
- •Restoration & remediation
- •Site work & paving
CAPITAL USED FOR
- •Draw schedule gaps
- •Mobilization costs
- •Material purchases ahead of payment
- •Payroll between draws
- •Retainage holdback coverage
- •New contract ramp-up
CAPITAL USED FOR
- •Draw schedule gaps
- •Mobilization costs
- •Material purchases ahead of payment
- •Payroll between draws
- •Retainage holdback coverage
- •New contract ramp-up
Estimate Your Capital Need
Capital Needs Assessment. Construction
Enter your operating profile to estimate your working capital gap and recommended facility structure.
Estimated Capital Profile
Draw schedule gap
$500,000
30-day cycle gap
Payroll exposure
$173,200
Based on 4.33-week avg
Estimated capital gap
$706,600
Identified capital need
This figure reflects your draw schedule gap and payroll exposure across your active job sites. Most contractors structure capital one project cycle at a time. A typical first facility ranges from $150K to $600K depending on your most immediate job obligations. Enter your contact information below to see how this would be structured for your operation.
Request a Capital Review. A capital advisor will review your assessment and follow up to discuss structure options.
Estimates are for advisory reference only. All structures subject to full financial review.
Built for Active Construction Companies
We work with established contractors managing active projects and recurring payroll obligations.
- General contractors
- Electrical, plumbing, HVAC & concrete firms
- Restoration & remediation companies
- Commercial construction operators
- Site work & paving companies
- Multi-crew operators scaling into new territories
Most clients generate $200K to $1M+ in monthly revenue and manage ongoing project pipelines.
Typical Working Ranges
Short-term job support and operating liquidity
Multi-project payroll and growth capital
Larger mobilization and expansion funding
All structures are tailored to revenue flow and active project volume.
Where Capital Is Deployed
- Weekly payroll across active job sites
- Material purchases ahead of draw payments
- Mobilization costs for newly awarded contracts
- Insurance audits and premium financing
- Equipment purchases and fleet expansion
- Bridging receivables between project draws
- Scaling additional crews or divisions
Structured Review Process
- 1.Initial discussion around current projects and revenue flow
- 2.Review of recent business performance
- 3.Capital structure options presented
- 4.Ongoing relationship as projects scale
A Capital Advisory Approach
We work directly with private capital sources and specialty lenders who understand construction. That means funding structured around draw schedules, project milestones, and contract receivables. Not generic terms from a bank that doesn't know the industry.
- Familiar with construction draw schedules
- Experience supporting multi-project operators
- Discreet and direct communication
- Long-term capital access as operations expand
Representative Structures
Selected engagements from recent capital structuring work. Identifying details have been generalized for confidentiality.
Situation
Commercial general contractor, Northeast region. A $22M operator awarded a $6.4M municipal project with a 10 percent retainage holdback and staggered progress billing that created a mobilization gap ahead of schedule commencement.
Structure Deployed
Evaluated the operator's existing bank line first and confirmed insufficient availability for the mobilization timeline. Structured a project-specific bridge facility against the signed contract and progress billing schedule, sized to the mobilization requirement rather than the full project value.
Outcome
Funded in 7 business days. Operator commenced mobilization on the contracted start date. Facility retired in full upon receipt of the third progress payment.
Commercial general contractor, Northeast region. A $22M operator awarded a $6.4M municipal project with a 10 percent retainage holdback and staggered progress billing that created a mobilization gap ahead of schedule commencement.
Evaluated the operator's existing bank line first and confirmed insufficient availability for the mobilization timeline. Structured a project-specific bridge facility against the signed contract and progress billing schedule, sized to the mobilization requirement rather than the full project value.
Funded in 7 business days. Operator commenced mobilization on the contracted start date. Facility retired in full upon receipt of the third progress payment.
Situation
Mechanical subcontractor, Mid-Atlantic region. A $31M HVAC and plumbing subcontractor carrying $3.8M in net-60 receivables across four active commercial projects, with a payroll gap created by a delayed payment from a primary general contractor.
Structure Deployed
Structured a $1.2M receivables-backed facility against approved progress billings, advancing 80 percent against verified pay applications. Conventional bank line was retained for ongoing operations to preserve the operator's existing banking relationship.
Outcome
Closed in 11 business days. Payroll obligations met without interruption across four active jobsites. Facility utilization decreased to zero within four months as the delayed payment cleared.
Mechanical subcontractor, Mid-Atlantic region. A $31M HVAC and plumbing subcontractor carrying $3.8M in net-60 receivables across four active commercial projects, with a payroll gap created by a delayed payment from a primary general contractor.
Structured a $1.2M receivables-backed facility against approved progress billings, advancing 80 percent against verified pay applications. Conventional bank line was retained for ongoing operations to preserve the operator's existing banking relationship.
Closed in 11 business days. Payroll obligations met without interruption across four active jobsites. Facility utilization decreased to zero within four months as the delayed payment cleared.
Situation
Site work and excavation contractor, Southeast region. A $14M operator pursuing a $2.1M equipment package to bid a series of larger infrastructure projects coming to market over a 12-month window.
Structure Deployed
Recommended against a short-term bridge structure. The balance sheet supported a conventional equipment finance package at materially lower cost. Coordinated the financing through an institutional lending partner aligned with the operator's growth profile.
Outcome
Closed a $2.3M conventional equipment facility within 21 days. Operator deployed the equipment across two awarded contracts in the following quarter. Cost of capital approximately 55 percent below the bridge alternative initially considered.
Site work and excavation contractor, Southeast region. A $14M operator pursuing a $2.1M equipment package to bid a series of larger infrastructure projects coming to market over a 12-month window.
Recommended against a short-term bridge structure. The balance sheet supported a conventional equipment finance package at materially lower cost. Coordinated the financing through an institutional lending partner aligned with the operator's growth profile.
Closed a $2.3M conventional equipment facility within 21 days. Operator deployed the equipment across two awarded contracts in the following quarter. Cost of capital approximately 55 percent below the bridge alternative initially considered.