Who we serve Construction companies
Keep crews working and materials arrivingwhile you wait to get paid.
Progress billing, retainage and a general contractor who pays in 45 to 75 days put every job’s cash on your shoulders, and taking on more work makes it heavier. Beyondthebank helps you carry the next job without draining the business.
A few minutes to start. No obligation.
Carry the next job without draining the business.
- 01Get on the jobLabor, materials and equipment rental covered from mobilization to first billing.
- 02Keep materials movingSuppliers paid for the job, repaid when the pay application is.
- 03Give your bank line breathing roomApproved pay applications funded by job, so your line doesn’t carry every project.
The cash cycle
Every job opens the same gap.You pay every week. The GC pays weeks later.
Payroll goes out every week from the day you mobilize. The first pay application goes in at the end of the month, the GC pays it weeks later, and retainage waits until the end of the job.
Programs that fit
The right structure for each part of the cycle.
Most construction companies use more than one. Contract Funding gets you to first billing, Construction Receivables carries the billing, Supplier Finance covers the materials and Equipment Finance covers the iron.
Construction Receivables
Approved pay applications funded while you wait on the general contractor.
Explore Construction ReceivablesSupplier Finance
Suppliers paid for materials, inventory or goods while you wait on your customer.
Explore Supplier FinanceContract Funding
Labor and materials to start an awarded contract, before your first billing.
Explore Contract FundingEquipment Finance
New or used equipment, including soft costs, for companies in the industries we serve.
Explore Equipment FinanceSee what your jobs carry.
Start with your monthly billing and how long general contractors take to pay. Construction Receivables is sized job by job, so we’ll size it with you from there.
Example answers to start. Change any of them.
Construction Receivables: we’ll size it with you.
Estimates are based on your answers and are not an approval or a commitment to fund. Your actual funding amount will depend on a review of your business and supporting documents.
What we look at
What your business is earning now.
The application asks for the basics. This is what we look at once it’s in.
- Time in business and the trades you work inSpecialty trades with a track record on commercial work.
- Approved pay applications and the GCs you billWho approves your billing and how fast they pay.
- Retainage, lien rights and change ordersHow each current job is papered and where it stands.
- Bonded versus non-bonded workBonded work isn’t financed, so we look at your backlog mix.
- Existing lenders, liens and advancesWhat sits ahead of you today and what would need to be addressed.
Straight answers are part of the deal.
Construction Receivables is built for subcontractors billing a general contractor. General contractors can still look at Equipment Finance and Contract Funding.
Bonded work isn’t financed. If some of your backlog is bonded, the non-bonded jobs may still fit.
Yes. Many subcontractors start with one job and add others once the first one is running.
Who else we serve
Different industries. The same gap.
Staffing
Staffing companies running weekly payroll against invoices that pay in 30 to 60 days.
Explore StaffingManufacturing & Distribution
Manufacturers and distributors taking larger orders and keeping production moving while customers pay on terms.
Explore Manufacturing & DistributionGrowing Businesses
B2B companies with solid customer relationships that need to fund growth and move fast.
Explore Growing BusinessesWhat’s your next move?
Turn your opportunity into reality with clear terms, transparent processes, and decisions based on potential, not just history.