Financing built around how contractors actually get paid

Trade businesses front costs long before customers settle up. These are the gaps owners most often ask us about.

Materials

Buy for the next job before the last one settles, so a slow payer doesn't stall your schedule.

Keep crews paid through net-30, net-60, and everything that runs longer than promised.

Add or replace tools and machinery without draining the reserve you keep for emergencies.

Put another truck or van on the road when demand justifies the extra capacity.

Cover the cost of getting started before the deposit clears.

Bridge the off-season in trades where weather decides how much you can bill.

Products vary by provider: Term loans, lines of credit, equipment financing, invoice factoring, and revenue-based financing all work differently. Which ones you see depends entirely on the providers you match with.
Not everything is a loan: Some products — revenue-based financing and merchant cash advances among them — are not structured as loans and carry different obligations. The provider is responsible for explaining exactly what it is offering you.
Terms come from the provider: We never quote a rate, amount, or repayment schedule. Approval and pricing are the provider's decision, made after its own review.

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