Panels, inverters and insulation are paid for long before the customer's final payment. Funding from $25,000 to $5,000,000 helps carry the job in between.
Apply Now →An installer who wins a job has to order panels, inverters, racking, wiring and often permits before the crew arrives. Energy-efficiency work, such as insulation, window replacement or HVAC upgrades, has its own material list. Suppliers want payment on delivery or within a short window, but final payment from the customer might not arrive until the system is inspected and turned on, or until the financing company releases funds.
The result is a gap between buying materials and being paid for the finished work, and it grows with every project the company takes on at once.
| Projects underway | Cash tied up | Typical stress |
|---|---|---|
| One or two | Modest material orders | Manageable with a normal balance |
| A busy month | Several orders overlapping, crews on payroll | Payments from earlier jobs not yet in |
| A growth push | New hires, vehicles, tools | Spend outruns receipts for weeks |
Growth is the paradox of installation work: winning more jobs requires more cash than winning fewer, so a business can be profitable on paper and still short in the bank.
Any delay in the middle, such as a utility interconnection or an inspector's schedule, extends the period the installer is carrying costs.
Texas Biz Funding provides $25,000 to $5,000,000, with a five-minute application and a soft credit pull. Funding can arrive in as little as 24 hours. Sole proprietors can apply, which includes independent installers and small crews.
The sensible approach is to size funding to the materials and payroll for projects already contracted, plus any hiring you can clearly justify. Funding is not a substitute for sales; it is a way to deliver the sales you already have.
For illustration only, not our terms or a typical outcome. An installer signs four residential and small-commercial jobs in one month, with a combined $60,000 in equipment and roughly $20,000 in crew wages before any final payments arrive. Existing receivables cover half of that. A working-capital advance covers the rest, so no job has to be delayed while another one waits for inspection. The installer repays from final payments on the four jobs.
Sole proprietors can apply. Funding decisions look at the business as a whole.
Materials ahead of project payment are one of the most common uses of working capital for installers.
Delays extend the time your money is tied up. Choose an amount that gives room for a slow approval.
Crew payroll is an operating cost and can be covered, as long as the added work will cover the added cost.
In as little as 24 hours after approval, with a five-minute application.
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
