The contractor cash flow gap
You have the work.
The money comes later.
Every home improvement contractor knows this cycle. Contracts are signed. Materials need to be ordered. Crews need to be paid — now. But draw schedules lag, clients pay slow, and jobs stack up faster than cash comes in.
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Draw schedules don't match expenses
You're paying for materials and labor 2–4 weeks before the first draw arrives.
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You're turning down jobs you can't afford to start
Good work goes to competitors because you don't have the capital to mobilize.
Combined maximum loan of $5 million from one SBA lender