by Tim Framer | Aug 28, 2026 | Merchant Cash Advance
TLDR: Funders who back contractors read your bank deposits, your time in business and your receivables before your score. Federal Reserve data ranks a low credit score third among the reasons small businesses get turned down, behind strict lender requirements and the...
by Tim Framer | Aug 28, 2026 | Working Capital & Credit
TLDR: Working capital loans for plumbing contractors cover payroll, truck stock and material buys while your finished work sits unpaid on thirty-day and sixty-day terms. Lenders in this category read your bank deposits before they read your credit file, which is why...
by Tim Framer | Aug 25, 2026 | Equipment & Project Financing
TLDR: Invoice factoring turns your unpaid customer invoice into working capital now, by selling that invoice to a factoring company instead of borrowing against it. Contractors carry one of the worst receivables gaps in business, yet almost none of them use the...
