Payroll and material invoices come due on schedule; draws and final payments do not. Garland contractors can apply in five minutes, with funding in as little as 24 hours.
Apply Now →You pay the crew every week, you pay the supplier by the due date, and the person who owes you waits. Garland is a large city, third in Dallas County by population, with 246,018 residents at the 2020 census. Dallas, Irving, Grand Prairie, Mesquite, Carrollton, Richardson, Rowlett and DeSoto are all close, so a Garland contractor can chase work across a wide part of the metroplex, and each new job means fronting new costs.
Texas law does address overdue construction payments. Under Texas Property Code section 28.004, overdue amounts accrue interest starting the day after the due date at one and one-half percent per month. That is a useful backstop on paper, but interest on a late invoice does not meet this Friday's payroll. It is context, not legal advice; ask a construction attorney how it applies to your contract.
What matters for cash flow is the gap itself. Even a customer who always pays eventually can leave a small contractor carrying weeks of labor and materials.
| Job type | Front-loaded cost | When the money comes in |
|---|---|---|
| Remodel or small commercial build-out | Materials deposit, subcontractor schedule | Progress draws, then a final payment |
| Subcontract work for a general contractor | Crew payroll, consumables, rented equipment | After the general is paid, which can add a wait of its own |
| Service and repair contracts | Truck, parts and technician time | Invoiced after the visit, then net terms |
Say a Garland framing and drywall sub takes a $90,000 job. Over the first month the crew payroll and materials total $35,000, but the first draw is not due for another three weeks. The numbers are round and invented to show the timing; they are not our terms or a typical outcome.
With a funding amount sized to that gap, the sub can keep the crew on the job and buy the next materials order without begging the supplier for extra days. Without it, the usual options are slowing the job or turning down the next one. Neither helps the business grow.
Short gaps usually point to working capital or a business line of credit. A truck, skid steer or specialty tool is closer to equipment financing. Contractors comparing other structures can read about merchant cash advances and term loans, and when timing is tight, same-day funding explains what moves fastest. Other Garland trades are covered under restaurants, healthcare practices and retail.
Whatever the product, amounts run $25,000 to $5,000,000 and the application takes about five minutes.
Property Code 28.004 provides for interest on overdue amounts at one and one-half percent per month from the day after the due date. That does not fix this week's cash flow, and it is not legal advice.
Yes. Sole proprietors can apply, and so can incorporated firms and crews of any size.
Funding can arrive in as little as 24 hours once the five-minute application is complete.
Typically payroll, materials, subcontractor payments and equipment repair or replacement while waiting on draws.
No, it is a soft pull.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
