Cable, conduit and crew hours are paid for before the project is signed off. Apply for $25,000 to $5,000,000 in about five minutes.
Apply Now →Low-voltage and telecom contractors often work for general contractors, network carriers or system integrators rather than for the end customer. That adds layers to the payment chain: the contractor bills the prime, the prime bills the owner, and money flows back down only after each party is paid. A job that finishes in March can pay in May.
During the wait, technicians, installers and cable pullers still need to be paid every week, and supply houses expect payment for reels of cable, connectors, enclosures and tools.
| Item | Cash timing |
|---|---|
| Cable, fiber, conduit, racks and patch panels | Ordered per project, often paid at the supply house within days |
| Technician and installer wages | Weekly during the project |
| Testing equipment and tools | Bought or replaced as needed |
| Bucket trucks, vans and fuel | Ongoing |
| Permits, insurance and bonding | Required before or at the start of a job |
Many construction-adjacent subcontracts include pay-when-paid language or hold back a percentage of each invoice until project completion. That means even completed work may not be fully paid for weeks or months. A contractor with several jobs at different stages can have a lot of earned money that is not yet in the bank.
Texas law gives contractors some tools for slow payment. The Texas Property Code provides that overdue amounts accrue interest at one and one-half percent per month, and it describes how a lien affidavit is filed with the county clerk, including a deadline for non-residential original contractors tied to the fourth month after the work was completed. Check the statute or ask an attorney about your own situation; this is not legal advice.
Working capital is most useful when a contract is signed and the start-up costs are clear. It can also bridge a stretch when several invoices are all outstanding at once. It is less helpful when the underlying problem is a customer who is unlikely to pay or a job priced below cost.
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, including owner-run crews of a few technicians.
For illustration only, not our terms or a typical outcome. A cabling contractor wins an office build-out that needs $22,000 of materials and a crew of five for four weeks. The prime pays on completion plus thirty days. The owner needs about two months of payroll and the materials cost before the first dollar comes in. A working-capital advance covers that stretch, so the contractor can take the job without delaying other work.
Yes. Subcontractors who wait on a prime contractor's payment are among the most common applicants in construction-related trades.
It can. Held-back amounts are earned but not available, so working capital can bridge that period.
Materials and tools tied to signed work are typical operating uses.
Sole proprietors can apply, including owner-operators of small crews.
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
