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Construction Financing for Contractors: Funding Projects Without the Bank Draw

Construction Financing for Contractors: Funding Projects Without the Bank Draw

by Tim Framer | Sep 6, 2026 | Equipment & Project Financing

TLDR: Construction financing for contractors is not the construction loan your customer’s bank writes. That loan belongs to the owner and pays for work already in the ground, so you front mobilization, materials and payroll first. Three routes close that gap: a...
Working Capital for General Contractors: Surviving Draw Schedules and Retainage

Working Capital for General Contractors: Surviving Draw Schedules and Retainage

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...
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