by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: Your money is not late because your job is unprofitable. It is late because a draw schedule pays on milestones and retainage holds a slice of every billing until closeout. Working capital covers the payroll, mobilization and material you already bought. Working...
by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: Lenders approve contractors on four inputs: your bank deposits, your time in business, your receivables and your credit file. Federal Reserve data shows which lender types approve the most applicants and which reasons sink a file. Fix your weakest input, then...
by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: Business credit for contractors is a company-level file built on your legal entity, your supplier trade lines, your payment record and the liens filed against your business name. Funders read that file next to your bank deposits, not instead of them, so a thin...
by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: A contractor line of credit is revolving money. You get an approved limit, you draw what a job needs, you repay as your customers pay, and the limit refills. That refill is the whole product, and it is why a revolving facility carries a trade business through...
by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: A contractor lending platform is a digital front door, and what sits behind it decides your terms. Online lenders underwrite your recent bank deposits instead of your balance sheet, so money moves in days and the paperwork earns a slow read. Price the total...
by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: An SBA loan is patient money on a patient clock, and your supply house does not read the agency calendar. SBA loan alternatives for contractors trade a lower headline cost for a faster answer, funding off your deposits, receivables and iron instead of a full...
