The contractor's problem isn't profit — it's timing. You front materials, labor, and permits, then wait weeks or months to get paid. A funder that doesn't understand the construction billing cycle sees instability where there's just a normal project timeline. Here's how to fund the gap with funders who get it.
Why one funder doesn't get the contractor cycle
Project-based revenue looks lumpy on paper — a big draw one month, quiet the next. A funder that underwrites on steady monthly deposits sees that as risk and declines you, even though it's just how construction billing works. The funders that understand contractors fund against the cycle — you just have to reach them instead of the ones that flinch at it.
One funder = doesn't get the cycle
Lumpy, project-based revenue trips their box. They see instability, not a billing cycle, and decline you — or price the risk high.
the right funders = funding for the gap
Lines of credit to bridge net-30/60, equipment financing for trucks and gear, term loans for big jobs — matched to your billing cycle and negotiated.
Going to one funder vs. The Broker Shop
| What matters | Going to one funder | The Broker Shop |
|---|---|---|
| Understands net-30/60 billing | Often not | Funders built for project-based revenue |
| Best products | Their one offering | LOC, equipment, term loans — matched to the gap |
| If lumpy revenue trips their box | Declined | Routed to a contractor-friendly funder |
| Who negotiates | No one | We do, across the right funders |
| Cost to you | Varies | $0 — the funder pays our fee |
Fund the gap, not the profit
Your business is profitable — the issue is the weeks between paying for a job and getting paid for it. A line of credit fixes that permanently: draw to start the job, repay when the client pays, only pay interest on what you used. But you need a funder that understands the cycle.
The Broker Shop reaches the right funders at once, finds the ones built for contractors, and negotiates the terms. Funded in days, free to you.
Bridge My Cash-Flow Gap →What actually determines your cost
For contractor funding, these factors decide your cost:
- Right product for the gap — a line of credit usually beats a lump sum for billing cycles.
- How the right funders — one box vs. 50+ that understand contractors.
- Revenue across the trailing year — funders that average it see your real strength.
- Credit and time in business — 500+ and 6+ months open most options.
- Whether anyone negotiates — a broker improves your terms.
See our contractor business loan guide, or how a line of credit works.