Construction & trades
In construction, you pay for materials and labor up front and wait 30, 60, or 90 days to get paid. Financing exists to bridge that gap.
How the money actually moves
Construction and the trades run on progress billing. You front the cost of materials and payroll for a phase, submit an invoice, and wait weeks to get paid, all while the next job is starting. That timing mismatch, not a lack of profit, is what strains most contractors.
Retainage makes it worse: a slice of every invoice is held back until the project closes, so even profitable jobs tie up cash. The right financing covers the gap between doing the work and collecting for it.
A daily-debit advance is a poor fit for lumpy, milestone-based revenue; the fixed pull keeps hitting on the days you have not been paid yet. A line of credit that flexes with your billing is the closer match.
Progress-billing gaps, retainage, equipment purchases, and bonding capacity.
How the money moves, read straight off the account: every debit found, every position named, before anyone asks you for a statement.
The products built for this cash-flow shape
Ranked best-first for how this industry earns and spends. Each links to the full breakdown.
Whatever fits, the paperwork behind it is already here. Nothing in this vault has to be sent twice.
Term loans & lines of credit
A line of credit is built for progress-billing gaps: draw to cover materials and payroll, repay when the invoice clears, and reuse it on the next job.
SBA loans
SBA Express and 7(a) can fund larger equipment or a yard purchase, and the SBA path can help when bonding capacity is the constraint.
Business credit & monitoring
Strong business credit widens your bonding and supplier terms, which frees up cash you would otherwise borrow.
See which financing paths fit your file
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