- Contractors front labor, materials, and equipment up front while payment comes back in draws — and retainage (often 5–10%) can sit unpaid until well after the job ends.
- Equipment financing uses machinery and vehicles as collateral, a line of credit covers materials and mobilization between draws, and working capital advances bridge slow-paying progress billings.
- Construction lenders expect seasonal, project-based revenue and look at backlog, contracts, and deposits rather than steady monthly income.
- Signed contracts and a healthy pipeline are the real asset, signaling to a lender that work is coming even when this month's deposits look thin.
Funding built for how construction actually works
Construction runs on a stubborn timing problem: you mobilize crews, buy materials, and rent or run equipment at the start of a job, but the money comes back in draws — and the last slice (retainage) can sit unpaid until well after the punch list is done. Profitable contractors still run short on cash because the outflows are immediate and the inflows are milestone-based.
The options that fit contractors best
- Equipment financing — for excavators, loaders, lifts, trucks, and shop tools, with the equipment as collateral so approvals move faster and your cash stays free for bids and payroll.
- Business line of credit — draw what you need to cover materials, mobilization, and labor between progress payments, then repay as draws clear.
- Working capital advances — lump-sum funding to bridge retainage, take on a larger project, or cover a gap when a draw slips.
Cash-flow and seasonal dynamics
Many trades are weather- and season-sensitive — exterior, paving, and earthwork crews ramp in warm months and slow in winter, while the bidding pipeline and material deposits often peak before revenue arrives. Backlog is your real asset: signed contracts and a healthy pipeline tell a lender the work is coming even when this month’s deposits look thin.
Sub-segments we fund
General contractors, electrical, plumbing, HVAC, concrete and masonry, framing, roofing, excavation and site work, landscaping, and specialty subcontractors all carry different risk profiles and billing rhythms. A subcontractor waiting on a GC has different needs than a GC managing several owners and draw schedules at once.
Why match through Hoss Capital
Generalist lenders often misread retainage, progress billing, and seasonal gaps as instability. We route your profile to partners that actively fund construction — so you spend time with lenders who understand backlog, draws, and equipment-heavy balance sheets.