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Programs Contract Funding

You won the contract.Now fund the start of it.

Contract Funding covers labor, materials, sub labor and equipment rental on an executed contract, before your first billing. Once the job is billing, a receivables program usually carries it from there.

Get started Estimate your funding

A few minutes to start. No obligation.

From signed to billing.

Contract Funding carries the job to its first billing. Receivables carry it from there.

Executed contractLabor, materials, sub labor, equipment rentalRepaid from the projectHands off to receivables at first billing

How it works

Sign the contract.Start the job without draining cash.

  1. 01

    Sign the contract

    An executed contract with a commercial customer, with margin in the work.

  2. 02

    Fund the start

    Labor, materials, sub labor and equipment rental covered from mobilization to first billing.

  3. 03

    Hand off at first billing

    Once you bill, Receivables Finance or Construction Receivables usually carries the job from there.

Contract signedCrews, materials, rentalsFirst billingWeeks or months later

Who it fits

Built for contractors ramping up on a larger job.

Contractors and fabricators with an executed contract who must pay for labor and materials before they can bill, and who have margin in the work.

A strong fit

  • An executed contract with a commercial customer
  • Labor and material costs that come due before first billing
  • A clear project cash-flow picture with margin in the work
  • A track record on similar work
  • A job larger than current cash supports

Not a fit

  • Work not yet awarded, or awarded verbally
  • Contracts with thin margin
  • Bonded work
  • Consumer and residential work
  • Stacked merchant cash advances or SBA debt
Estimate Contract Funding

Start with the contract.

Tell us the contract value and where it stands. You’ll see what Contract Funding could cover up front, before final terms are set in underwriting.

Example answers to start. Change any of them.

What will you use the funds for?

About $9 million a year
$750,000a month
$25,000$5 million or more
Your largest contract
$2 million
$100,000$20 million or more

Contract status

Time in business

What financing do you currently have?

Estimated funding

Contract Funding

Up to$400,000

Based on a $2 million signed contract.

Covers

Labor and materials until your first bill

Assumes

A gross margin of 15% or more

Get startedApply now and get a quick answer.

Estimated funding: Up to $400,000.

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 to have ready

Know what it takes before you start.

The contract and the cash-flow model carry this one.

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  1. Executed contract
  2. Project cash-flow model: what you spend, when, and when you bill
  3. Year-to-date and prior year-end financial statements
  4. Last three months of business bank statements
  5. Schedule of existing debt and advances
  6. Track record on similar work
FAQ

Contract Funding, answered.

The funding is repaid from the project. Thin margin leaves no room for the cost of the funding or for a surprise on the job.

You can start the conversation. Funding begins once the contract is executed.

The job usually moves to Receivables Finance or Construction Receivables, which funds the billing as it goes out. We lay out the handoff before you start.

Both, along with sub labor and equipment rental, tied to the contract.

No obligation.

What’s your next move?

Turn your opportunity into reality with clear terms, transparent processes, and decisions based on potential, not just history.

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