Construction pays weekly and collects monthly: payroll Friday, materials on delivery, the draw request in 30 days, retainage in a year. A revenue purchase funds the work while the contract catches up. This is boutique funding: a person reads your file, not a scoreboard.
Your invoice to the GC waits on their draw from the owner, which waits on the architect's certificate. Net-30 on paper routinely means 45–60 in the account.
Five to ten percent of every progress payment sits in escrow until substantial completion — sometimes a year of your margin locked up on jobs you already finished.
Lumber, steel, and fixtures are due on delivery or net-15, months before the draw that pays for them lands. Every bigger contract is a bigger materials float.
Banks look at a two-year-old subcontractor and see lumpy revenue, thin margins, and no collateral they want. The signed $400k contract in your truck is not an asset to them — it is unearned revenue, worth nothing on their form.
Equipment finance covers yellow iron; lines of credit want history. The working capital in between — payroll, materials, mobilization — is the gap banks leave open and revenue purchases were built to close.
We size the advance to your average monthly deposits across draws and progress payments, then remit weekly. Between draws the remittance stays manageable; when a big draw lands, the purchase settles faster. It bends with the job calendar instead of fighting it.
The highest-return use never changes: fund the next signed contract's materials and payroll so you never decline work for cash reasons. Contractors who can say yes to every good bid grow; the ones juggling draws stay small. Sharp terms, straight answers — that is the whole Cutting Cap model.
Keep the crew whole through a slow-paying GC's 60-day cycle — cheaper than losing your best hands to the competitor down the road.
Buy the lumber package or fixtures for the job you already won, at supplier cash prices, instead of begging for terms.
Add the crew and the equipment deposit that qualify you for the bigger contract class — the jobs where the margins actually live.
No — we advance against your business's overall revenue rhythm. No lien notices to GCs or owners, no joint checks, no paperwork that spooks a general contractor.
Lumpy is expected in construction; we underwrite the average and the trend, not a perfect straight line. Three months of statements tells us what we need.
Ask about early-settlement pricing at funding — many purchases include a discount for settling ahead of schedule. We would rather renew you at a bigger number than hold you to a calendar.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
