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...
by Tim Framer | Sep 6, 2026 | Merchant Cash Advance
TLDR: Merchant cash advance repayment is a remittance, not an installment. A funder collects a share of what your business brings in, either as a split off your receipts or as a fixed debit with a reconciliation clause behind it. Which one you signed decides what a...
by Tim Framer | Sep 6, 2026 | Merchant Cash Advance
TLDR: Remodeling pays you in stages and bills you up front. State law caps your deposit, cabinets and fixtures get ordered months before the homeowner writes the next check, and change orders move the work long before they move the money. Remodeling contractor...
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...
