Contractor Cash Flow Challenges 

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Large Capital Purchase

30% to 50% of overall project costs are materials & equipment.

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Timing of Purchase

Contractors are usually required to purchase and pay for materials and equipment prior to receiving full payment from the customer.

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Forecasting Cashflow

Difficult to forecast payment from the customer once work completed – often takes 30-90 days or more to receive full payment.

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Access to Credit

Contractors have a difficult time obtaining traditional bank financing and typically have to work with multiple Suppliers to access sufficient credit to grow their business.

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Trade Credit Financing

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Terms

Up to 120 days

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Weekly Finance Charge

$50 per $10,000 borrowed

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Interest Free Period

Contractors can receive up to 30 days interest/payment free*

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Contractor Payments

Auto debited weekly. Principal due by maturity date

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*Requires supplier discount