Funding Scenarios
Construction Funding Scenario: Riverbend Interiors
Riverbend Interiors is a fictional commercial build-out contractor. The team often waits 30 to 60 days between progress draws while still paying labor and material costs weekly.
The pressure point
- Three active projects, each with staged draws
- Weekly payroll and material orders
- Receivables aging averages 45 days
How a review might look
A working-capital line or short-term loan can bridge the gap between draws. A lender review would usually look at job contracts, current AR aging, and historical draw timing. High-cost daily-debit products are often a poor fit for this profile.
Practical Takeaway
- Match the funding structure to your draw cycle, not to your worst week.
- Keep AR aging reports current. They tell the real cash-flow story.
- Avoid daily-debit products if your revenue is project-based and lumpy.
Questions About Business Funding?
Call or text Dee at 917-881-3160 to talk through available funding options, documents to prepare, or the best next step for your business. Approval, rates, terms, grants, and funding options are subject to review.
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