Construction working capital
Win the job. Plan the gap.
Materials and crews cannot always wait for a progress payment. Build your funding request around the job schedule.
For business owners in Texas. Offers and timing depend on review.
The short answer
Construction working capital
Separate material deposits, labor and subcontractor bills from amounts held in retainage. A signed contract does not mean cash has arrived. Model payment delays and avoid funding a long project with a payment schedule that consumes its working cash.
Make the numbers work
The right amount starts with the real need.
Match repayment to collections, including retainage. Ask about liens, guarantees and restrictions in the actual offer before committing.
Estimate your cash gap →- Funding purpose
- Construction working capital
- Location
- Texas
- Eligibility review
- Revenue, operating history, credit profile and current obligations. Provider requirements differ.
- Cost to compare
- Net cash received, total repayment, fees and payment frequency.
Be ready for the review
Bring the story. Back it with numbers.
An application starts a review; it is not an approval or a commitment to accept financing. Keep your request focused on a clear business use.
Start my application ↗Prepare the supporting documents
Job budget and schedule; signed contracts; receivables aging; existing financing balances.
Explain the timing
What must be paid, when cash is expected back, and how existing payments affect the plan.
Review the written offer
Check the total obligation, guarantees, fees and early payoff terms before signing.
A simple starting point
How much cash is missing?
Use the same period for both amounts. This planning calculation is not a quote, approval or borrowing recommendation.
Before you apply
Straight answers. Better decisions.
What information helps a funding review?
Job budget and schedule; signed contracts; receivables aging; existing financing balances.
What should I compare before accepting an offer?
Match repayment to collections, including retainage. Ask about liens, guarantees and restrictions in the actual offer before committing.
Does this page guarantee eligibility or same-day funding?
No. Approval, amount, pricing and timing depend on the provider, business review, complete documents and agreement. Ask which requirements apply to your specific offer.
Can I apply if I already have business financing?
Disclose every existing obligation and its payment schedule. A review should consider combined payments, liens and any payoff deductions rather than treating new funding as extra cash with no cost.
Same Texas grit. Brighter tomorrows.
Let’s fund what’s next.
Tell us what your business needs. Start with one clear application.
Apply now ↗