Materials are paid for at the supply yard; the customer pays when the job is accepted. Apply in about five minutes; funding can arrive in as little as 24 hours.
Apply Now →A contractor is a middleman in time as well as in work. The owner or general contractor holds money until milestones are met. The crew, the supplier and the equipment rental company want theirs sooner. The contractor stands in the middle with a checking account that has to absorb the difference.
In Wichita Falls, the seat of Wichita County, that arrangement plays out in a city of 102,316 residents (2020 census) with Burkburnett and Iowa Park close by. Contractors here may pick up residential repairs, small commercial work or subcontract jobs for larger firms, and every one of those pays on a different schedule.
Typical for small repairs and short jobs. The contractor funds everything up front and collects once at the end. The gap is the whole cost of the job.
Common on larger jobs. Payment arrives in stages, but each stage is billed after the work is done and approved. The gap is smaller but repeats.
You wait on the general contractor, who may be waiting on the owner. The delay can be one link longer than you expect, and you have less say in it.
A sub who works on several jobs under different terms should list each job's cost and expected payment date side by side. That one-page view tells you more about your real cash needs than a bank balance does.
Materials can sometimes be put on account and a supplier might wait a few days. Wages are different. Employees expect paychecks on a known date, and a missed one costs more than money. Good crew members leave for contractors who pay on time.
That is why many contractors look at working capital not as growth money but as a payroll safeguard between draws. It is also why sizing matters: ask for what covers wages and materials through the expected payment date, plus a buffer for a late payer, and no more.
Imagine a contractor on a $65,000 remodel-and-repair job for a commercial customer. Material orders of $22,000 are due within weeks, wages run about $3,500 a week, and the customer pays 30 days after completion. The owner needs roughly $45,000 or more before the first dollar arrives. These numbers are for illustration only, not terms we offer, and a late payment would stretch the gap further.
Residential work deserves a separate note: owners who do mainly home remodeling should plan their own funding carefully and understand that approval depends on the funder's review, not on this page.
Day-to-day gaps fit working capital or a line of credit. A truck, mini-excavator or trailer fits equipment financing. Repayment that follows sales is the idea behind a merchant cash advance, which behaves differently for businesses with big, infrequent invoices. A defined larger project can suit a term loan. If you need money quickly, see fast funding, and for credit concerns, bad credit.
Trade neighbors with their own pages include metal fabrication and welding and oilfield services. For the wider area, read Wichita County and the North Texas and Red River region.
No. Sole proprietors can apply, including one-person contractors. The application takes about five minutes.
Usually the job or the stretch you are trying to cover. A clear purpose and a clear payback date make for a more disciplined request.
Plan for it. Include a buffer, and avoid stacking several jobs on the same short-term money.
From $25,000 to $5,000,000, and funding can arrive in as little as 24 hours.
No. This page is about cash flow. For a payment dispute, speak to a Texas attorney.
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
