Capital Access
Backlog isn't the problem. Float is.
Funding built around how contractors, builders, and materials manufacturers actually get paid — signed work today, cash sixty days out. We manage capital from $5,000 to $5,000,000, with same-day funding available.
The Range
Slide the rule
Every number on this scale is a real conversation we have. Drag to see the kind of gap capital tends to close at that size.
Illustrative only. The right structure depends on your receivables, margin, and season — not the dollar figure alone. Sometimes the honest answer is that capital isn't what you need.
Six structures
Pick the one that matches your cash flow
Most businesses come to us asking for a loan. Often that's not the right instrument. Here's what we manage, and what each one is actually good at.
Revenue-based financing
Repayment moves with your receipts instead of a fixed calendar. Slow month, smaller payment.
Term loans
A set amount, a set term, a known payment. Straightforward capital for a planned move.
Business line of credit
Approved once, drawn whenever. You pay for what you use, not what you were approved for.
Invoice factoring
Turn issued invoices into cash now instead of waiting out net-30, net-60, or net-90 terms.
Equipment financing
The machine secures the money, so the asset earns while it pays for itself.
Bridge financing
Cover a defined gap with a defined end date — when you know the money is coming and just need it sooner.
How it runs
Four steps, no runaround
This is a sequence, and the order matters — we look at the business before we shop the money.
The conversation
Twenty minutes on what you're trying to fund and why now. No documents yet.
The numbers
We look at cash flow, receivables, and margin to see whether capital solves it — or masks something else.
The structure
We match you to the option that fits, and tell you plainly what it costs and what it commits you to.
The funding
Approved deals can fund same day. You'll know where you stand before that point either way.
Who we work with
Built for this industry
- General contractors and specialty trades
- Roofing, painting, glass, mechanical, and site work
- Residential and commercial builders
- Building materials manufacturers
- Distributors and supply houses
Why us and not a broker
We read the P&L first
- We coach sales, finance, operations, and marketing — capital is one lever of four
- We'll tell you when the problem is margin, not money
- One relationship across six funding structures instead of six applications
- Industry-specific: we know what a draw schedule and a retainage hold do to cash
- 22+ years of C-level operating experience behind the advice
Borrowed money makes a good business faster and a broken one worse.
Plenty of shops will approve you without asking a single question about your gross margin. We're not built that way. Before we place capital, we want to know whether the pressure you're feeling is a timing problem or a pricing problem — because those need opposite solutions.
If funding is the answer, we'll move fast. If it isn't, you'll hear that too, and we'll show you what we'd fix instead.
Next step
Tell us what you're trying to fund.
No application to start. A short conversation about the job, the gap, and the timeline — and a straight answer on whether we can help.