A general contractor sits in the middle of the payment chain: paying subs and suppliers on one clock and waiting on the owner on another. A line of credit can cover the middle.
Apply Now →As the general, you collect from the owner and pay everyone below you. Subcontractors want payment on a schedule, suppliers want their invoices settled, and your own crew wants Friday pay. The owner's payment arrives after the pay application is reviewed. Between those two clocks is a stretch where you are funding the job out of your own account.
This page is about commercial and trade work. Residential remodeling is a category some funders restrict, and we do not promise funding for it.
| Payee | Typical pressure |
|---|---|
| Subcontractors | Want prompt payment; contract terms vary on when you owe them |
| Material suppliers | Open accounts with due dates, sometimes with lien notices |
| Your own crew | Weekly or biweekly payroll |
| Insurers and bonding | Premiums at the start of a job |
| Permit and inspection fees | Due before work moves forward |
Read each contract to see what it says about paying subs: some tie it to when you are paid and some do not. Plan your cash accordingly rather than assuming.
What it does not fix is a bid that was too low. If a job is going to lose money, borrowing against it only postpones the loss.
Texas Property Code section 53.052 sets out the lien affidavit process, with a non-residential original contractor deadline of the 15th day of the fourth month after the month work was completed. Section 28.004 provides that overdue amounts accrue interest at 1-1/2 percent per month from the day after the due date. These are summaries, not legal advice, and your contract and a construction attorney decide how they apply. The practical point for cash: pursuing late payment takes time, and the bills below you do not wait for the outcome.
We fund $25,000 to $5,000,000, funded in as little as 24 hours, with a 5-minute application and a soft credit pull. Sole proprietors can apply. Apply here.
When you compare offers, ask about the total repayment and how repayment is collected. A line you can repay at the next draw, even if it comes two weeks late, is the right size. One you can only repay if everything goes perfectly is too large.
That depends on your contract. Some tie payment to receipt of owner funds, others do not. Read it before you plan.
Under Texas Property Code section 53.052, it is the 15th day of the fourth month after the month the work was completed. This is not legal advice.
It can keep you operating while you pursue payment. It does not replace pursuing it.
Yes. The application takes about 5 minutes with a soft credit pull.
It is a restricted category for some funders and we do not promise funding for it. This page focuses on commercial and trade work.
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
