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: 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: 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...
by Tim Framer | Sep 6, 2026 | Working Capital & Credit
TLDR: Contractor financing means two different things, and chasing the wrong one wastes your week. This guide covers funding for your business: working capital, advances, credit lines, equipment money and cash against your invoices. Payment plans for your homeowners...
by Tim Framer | Aug 28, 2026 | Equipment & Project Financing
TLDR: Your trucks, lifts and machines get funded through programs secured by business assets and revenue, not through one product with equipment financing stamped on it. Federal Reserve survey data shows equipment-backed borrowing wins full approval more often than...
