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...
