# Funding for contractors, built around how jobs actually pay

Source: https://revenuenotcredit.com/industries/construction

You buy materials and pay crews before the draw comes in. Funding based on your deposits helps contractors bridge the gap between starting a job and getting paid for it.

## How funders look at contractors & construction

Funders look at your bank deposits over the last few months. Lumpy months are normal in construction, since big draws land some months and not others. Funders look at the overall flow, so a quiet month between jobs isn't a dealbreaker.

## What owners use it for

- Materials for a new job
- Payroll between draws
- Equipment purchases and repairs
- Bonding and insurance costs
- Taking on a bigger project

## Questions

**My deposits come in big chunks. Is that a problem?**
Not usually. Funders expect lumpy deposits from contractors. Four months of statements show the pattern, and weekly payment schedules often fit construction cash flow better than daily ones.

**Which trades do you work with?**
General contractors, roofers, HVAC, electricians, plumbers, landscapers, painters, remodelers, and more, as long as money comes into the business account every month.

**Will this affect my bonding capacity?**
Every company's bonding is different, so ask your surety. We'll show you each offer's total payback and payment schedule so you can decide what fits.