01
Materials and deposits
Secure lumber, concrete, fixtures, or specialty materials when suppliers require payment before delivery.
Contractors funding
Contractor financing for the work you have to fund before the draw.
A project can be profitable on paper while materials, subcontractors, and payroll are due weeks before a progress payment or retainage clears.
Where the money goes
Construction working capital follows the project calendar.
The right request starts with the job cost that lands before the related draw, invoice, or milestone payment.
02
Crew and subcontractor payroll
Keep field labor paid while a completed phase moves through inspection or billing.
03
Mobilization costs
Cover transport, site setup, permits, and early costs required to begin a signed job.
04
Equipment access
Address a rental, repair, or equipment purchase that keeps the crew productive on site.
05
Invoice timing gaps
Bridge the distance between approved work, an invoice, and the customer’s actual payment.
The working path
How contractor financing fits around a live job.
01
Name the job-side bottleneck
Describe the cost that comes first, such as a material deposit, payroll run, mobilization bill, or equipment need.
02
Submit the business basics
Use the short form to share revenue, tenure, estimated credit score, industry, and the amount needed for the cycle.
03
Let the file be matched
Avyron reviews the broader business picture and connects the request with third-party capital partners that may fit.
04
Check the repayment against collections
If a partner makes an offer, compare its remittance or fixed ACH schedule with project billing, payroll, and other obligations.
Illustrative only
A transparent look at the calculator model.
For an illustrative contractor averaging $140,000 in monthly revenue, this model shows how a revenue-variable remittance can be translated into a separate fixed ACH comparison.
Illustrative only, not an offer of credit.
Assumptions
- Average monthly revenue
- $140,000.00
- Remittance rate
- 9%
- Factor rate
- 1.40
- Term
- 6 months
Calculated figures
- Monthly remittance
- $12,600.00
- Total repayment
- $75,600.00
- Estimated funding
- $54,000.00
- Fixed ACH daily
- $630.00 x 120
- Fixed ACH weekly
- $3,150.00 x 24
Model: monthly remittance equals average monthly revenue multiplied by the remittance rate. Total repayment equals monthly remittance multiplied by the term. Estimated funding equals total repayment divided by the factor rate. One month equals 20 business days and 4 weekly periods. The monthly remittance is a calculation base. Actual remittances are daily or weekly. Fixed ACH is shown separately from a revenue-variable remittance.
What we look at
Context matters more than one line on a file.
Construction revenue is often tied to job stages, so the review needs more context than a single month or credit score.
- Minimum credit score of 500
- Minimum six months in business
- Steady recurring deposits from completed work and collections
- Project timing, invoice history, payment obligations, and the whole business picture
There is no approval guarantee. A third-party capital partner makes the final decision and states any offer in writing, including its conditions and repayment terms.
Contractors questions
Questions about contractors funding
Direct answers about structure, timing, and what a capital partner may review.
Can construction working capital cover payroll while I wait for a draw?
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It may be considered when the contractor has a documented operating history and deposits that support the request. The partner may review project timing, invoice or draw history, existing obligations, and business deposits. Avyron is a broker, so the partner makes the final decision and no approval or timing is guaranteed.
Does a signed project help with contractor financing?
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A signed project can provide useful context about expected work, costs, and payment timing, but it does not by itself qualify a contractor. A capital partner also reviews recurring deposits, time in business, credit profile, current obligations, and the broader cash flow. The partner decides whether an offer is supportable.
Can I use funding for materials before the first progress payment?
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Materials, supplier deposits, and mobilization are possible uses to discuss when they connect to an active business need. The available product and repayment structure depend on the partner’s underwriting. Compare the timing of any daily or weekly obligation with payroll, subcontractor bills, and the expected project collection before accepting an offer.
Is invoice factoring different from contractor financing?
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Yes. Invoice factoring is generally built around eligible unpaid invoices and the related customer payment, while contractor financing can be evaluated around broader business cash flow and project needs. The products have different structures, costs, and qualification requirements. Review both on the funding options page and ask the partner to explain the written offer.
Keep the job moving between milestones.
Avyron Capital is a commercial financing broker. We connect businesses with a network of third-party capital partners. We are not a bank and not a direct lender. All funding offers are made by our capital partners and are subject to their underwriting and terms.
Request funding