Contract Backed Loans: Upfront Cash Flow Solutions for Commercial Construction Subcontractors, Manufacturers, and Fabricators

Commercial construction subcontractors, manufacturers, and fabricators often face significant cash flow challenges at the start of new projects. Securing the necessary funds to cover initial expenses such as payroll, materials, and vendor payments can be daunting. The lag between project commencement and the receipt of payment for work completed can strain financial resources and hinder project progress. Traditional financing options may not provide the timely, upfront cash flow needed to overcome these hurdles.

Recognizing these challenges, LVRG Business Funding offers a specialized solution designed to address the unique needs of commercial construction subcontractors, manufacturers, and fabricators. Our Contract Backed Loans provide the essential working capital right at the beginning of a project. Unlike factoring solutions that offer cash flow on the backend, our approach ensures you have the funds upfront to kickstart your projects, ensuring smooth operations from day one.

Cash Flow Challenges in the Industry

Starting a new project involves significant upfront costs that can create a financial bottleneck for businesses. Commercial construction subcontractors, manufacturers, and fabricators need to invest in labor, materials, and equipment long before receiving payment for their services. This cash flow gap can lead to delayed projects, missed opportunities, and strained relationships with vendors and employees. The traditional financing methods often fall short in providing the immediate cash flow required to mobilize and execute new contracts effectively.

Moreover, the competitive nature of the construction and manufacturing industries means that businesses cannot afford delays or disruptions. Meeting project timelines and maintaining a steady workflow is crucial for reputation and future business opportunities. The need for a reliable, upfront cash flow solution becomes even more critical as businesses strive to grow and take on larger projects.

A Solution Tailored to Your Needs

LVRG Business Funding's Contract Backed Loans address these cash flow challenges head-on. By offering upfront working capital, we enable commercial construction subcontractors, manufacturers, and fabricators to start their projects with confidence. Our funding solution ensures that you have the financial resources to cover initial expenses, maintain smooth operations, and focus on delivering quality results without the stress of cash flow shortages.

How We Help

We offer tailored working capital solutions exactly when you need them the most. Our specialized funding options allow you to start new projects, meet payroll, pay vendors, and deliver on orders without the stress of cash flow shortages. Our team collaborates with you to develop a repayment schedule that aligns with your project timelines, allowing you to focus on your business growth and project execution.

Our loan program gives commercial contractors an opportunity to secure the capital they need before the job even begins. Get and spend the money you need to do the job you were hired to do.

  • Collateral: The collateral for the loan is the job contract itself.

  • Repayment Schedule: The repayment schedule is aligned with the project payment timeline.

  • Project-Specific Loan: The loan is specific to each project, keeping your project funded and moving forward.

  • Consistency: Change orders and delays do not change the interest rate or nature of the loan.

  • Credit Impact: Your personal credit isn’t affected.

  • Timely Funding: Best of all, you get the money when you need it most — before the work starts!

Stop worrying about how to make payroll, order materials, secure permits, and pay vendors. With our easy loan application, you can quickly get funded and get to work.

How It Works

  • Loan Amounts: Up to 20% of the contract value or 70% of the purchase order.

  • Application Process: Complete your application and submit the necessary supporting documents.

  • Funding Timeline: Receive your funds in as quickly as 5 business days.

  • Repayment Terms: Typically within 5 months, matching the timing of the first 2-3 pay applications for the project.

Simplified Path to Funding

  1. Introduction Call: Start with a Contract Backed Loans introduction call.

  2. Submit Application: Provide your application and financial documents.

  3. Review: We will review your cash flow model and financing plan.

  4. Documentation: Execute the loan documentation.

  5. Funding Account: Your project funding account is opened.

  6. Disbursement: Funds are disbursed to your account!

Qualifications for Funding

To qualify for our Contract Backed Loans, your business should meet the following criteria:

  • Gross Annual Revenue: $1M+

  • Business Bank Statements: 6 most recent statements

  • Financial Statements: Income statements and balance sheets for the prior 2 years

  • Year-to-Date Financials: YTD income statement and balance sheet

  • Tax Returns: Tax returns for the prior 2 years

  • Contract or Purchase Order: Copy of the contract or PO

  • Aging Reports: Accounts Receivable (AR) and Accounts Payable (AP) aging reports

Why Choose Our Contract Backed Loans?

Our Contract Backed Loans solution is more than just a loan. It is a reliable source of working capital designed to provide peace of mind and financial stability for your business. By securing the necessary funds upfront, you can confidently tackle new projects, ensure smooth operations, and drive your business growth.

Partner with LVRG Business Funding today and experience a seamless, stress-free funding process tailored to meet the unique needs of commercial construction subcontractors, manufacturers, and fabricators. Secure your project’s financial future with our Contract Backed Loans solutions and take the first step towards success. Contact us now to learn more and get started on your path to financial stability and project success.

Please call (855) 998-5874 for additional information on our contract backed loan cash flow solution.

Diverse Financing Solutions Tailored to Empower Your Business Growth.
10,000 Businesses Funded, $1B+ in Facilitated Transactions, LVRG is Your One-Stop Shop for Business Financing.

Revenue Based Financing
Revenue based financing from LVRG Business Funding allows businesses to receive capital in exchange for a percentage of future revenue. This type of funding is ideal for businesses with fluctuating incomes, as repayments adjust according to monthly revenue. It provides flexibility, enabling businesses to scale operations without the pressure of fixed monthly payments. Unlike traditional loans, revenue based financing does not require collateral, making it accessible for businesses with limited assets. This option is particularly popular among companies with strong revenue projections but lacking substantial credit history. Gain the financial freedom to grow with a financing model aligned with your business success. Learn more

Cash Flow Financing
Cash flow financing from LVRG Business Funding leverages the expected future cash flows of a business to secure a loan. This type of financing is crucial for maintaining smooth operations, covering daily expenses, and addressing immediate financial needs. It’s based on the business's ability to generate steady income, rather than relying solely on credit history or collateral. This makes it an attractive option for businesses experiencing seasonal fluctuations or growth spurts. By ensuring you have the necessary working capital, cash flow financing helps sustain business momentum and prevent operational disruptions. Keep your business thriving with reliable cash flow support. Learn more

Working Capital Financing
Working capital financing from LVRG Business Funding provides businesses with the funds needed to cover short-term operational expenses. This type of financing is essential for managing daily costs such as payroll, rent, and inventory purchases. It helps maintain liquidity, ensuring that your business can operate smoothly without cash flow interruptions. Working capital financing can be structured in various forms, including lines of credit, short-term loans, and advances. This flexibility allows you to choose the best option for your specific needs, helping you to focus on growth and profitability. Secure the operational funds necessary for your business's day-to-day activities. Learn more

Merchant Cash Advance
A merchant cash advance (MCA) from LVRG Business Funding provides businesses with a lump sum of cash in exchange for a portion of future gross sales. This financing option offers fast access to capital with flexible repayment terms tied directly to your daily sales volume. Unlike traditional loans, MCAs do not require fixed monthly payments, making them suitable for businesses with fluctuating revenues. The application process is straightforward, with minimal paperwork and quick approval times. This makes MCAs an attractive solution for businesses needing immediate funds for inventory, marketing, or operational expenses. Accelerate your business growth with a merchant cash advance. Learn more

Bad Credit Business Loan
Bad credit business loans from LVRG Business Funding are designed for companies with less-than-perfect credit histories. These loans provide an opportunity to secure funding despite past financial challenges, with lenders focusing on the overall health and potential of the business. While interest rates may be higher to mitigate risk, these loans can be a lifeline for businesses needing capital to stabilize or expand. They can be used for various purposes, including purchasing equipment, refinancing debt, or boosting working capital. By demonstrating reliable repayment, businesses can also improve their credit scores over time. Explore your options with bad credit business loans. Learn more

SBA Loan
SBA loans from LVRG Business Funding, backed by the Small Business Administration, offer favorable terms and lower interest rates than conventional loans. These government-backed loans are available to small businesses that meet specific criteria, providing access to essential funding for growth and stability. With longer repayment terms and lower down payments, SBA loans are ideal for major investments such as real estate, equipment purchases, or business expansion. The application process, though rigorous, is worth the effort due to the financial benefits and support provided. Secure a reliable and affordable funding source to drive your business success. Learn more

Business Line of Credit
A business line of credit from LVRG Business Funding offers flexible, revolving access to funds up to a predetermined limit. This financial tool is perfect for managing cash flow, addressing unexpected expenses, and seizing growth opportunities. Unlike traditional loans, you only pay interest on the amount you draw, making it a cost-effective solution. Repayment terms are flexible, allowing you to reborrow as you repay. This continuous access to capital helps businesses maintain operational stability and respond swiftly to financial needs. Ideal for seasonal businesses or those with variable cash flows, a business line of credit ensures financial agility. Learn more

Business Term Loan
Business term loans from LVRG Business Funding provide a lump sum of capital with fixed repayment terms and interest rates. These loans are suitable for significant investments such as expansion projects, equipment purchases, or large-scale operational costs. With predictable monthly payments, businesses can manage their budgets more effectively. Term loans typically offer longer repayment periods and lower interest rates compared to short-term financing options. They require thorough financial documentation and a solid credit history, but the benefits include stability and clear financial planning. Empower your business growth with the certainty and support of a business term loan. Learn more

Revolving Inventory Line of Credit
A revolving inventory line of credit from LVRG Business Funding allows businesses to finance their inventory purchases, providing continuous access to capital as needed. This type of financing is essential for maintaining optimal stock levels without straining cash flow. Businesses can draw funds to purchase inventory, repay, and then reborrow as necessary. This flexibility ensures you can meet customer demand and capitalize on bulk purchasing opportunities. It’s particularly beneficial for businesses with seasonal fluctuations or high inventory turnover rates. Maintain a steady supply of inventory and keep your business running smoothly with a revolving inventory line of credit. Learn more

Contract Backed Loan
Contract backed loans from LVRG Business Funding use the revenue from existing contracts as collateral to secure financing. This type of loan provides upfront capital based on the value of future contract payments, offering businesses the funds needed to complete projects and expand operations. It’s an excellent option for businesses with confirmed contracts but requiring immediate cash flow to meet obligations. The reliability of the contract revenue reduces lender risk, potentially leading to better loan terms. Secure the funds necessary to fulfill your contracts and drive business growth with contract backed loans. Learn more

Purchase Order Financing
Purchase order financing from LVRG Business Funding provides businesses with the funds needed to pay suppliers for goods required to fulfill customer orders. This type of financing ensures that you can meet large orders without the upfront capital, supporting smooth operations and customer satisfaction. The lender pays the supplier directly, and once the goods are delivered and payment is received from the customer, the advance is repaid. This financing option is ideal for businesses experiencing rapid growth or large order volumes, as it helps manage cash flow and maintain inventory levels. Grow your business confidently with purchase order financing.

Accounts Receivable Financing (Factoring)
Accounts receivable financing, also known as factoring, from LVRG Business Funding involves selling your outstanding invoices to a lender for immediate cash. This type of financing improves cash flow by converting receivables into working capital, allowing you to cover operational expenses and invest in growth opportunities. The lender advances a percentage of the invoice value upfront and collects payment directly from your customers. Once the invoice is paid, you receive the remaining balance minus a fee. Factoring is an excellent solution for businesses facing slow-paying clients, as it provides immediate funds to maintain stability. Enhance your cash flow with accounts receivable financing. Learn more

Government Contract Financing
Government contract financing from LVRG Business Funding provides businesses with the funds needed to fulfill government contracts. This type of financing ensures that you can cover costs associated with government projects, such as labor, materials, and overhead, without straining cash flow. The reliability of government contracts makes this a secure financing option, often with favorable terms. It helps businesses manage the extended payment cycles typical of government work and maintain operational stability. By leveraging government contract financing, you can confidently pursue and complete government projects, driving growth and reputation. Secure the capital necessary for your government contracts.

Asset Based Lending
Asset based lending from LVRG Business Funding provides loans secured by a business's assets, such as inventory, equipment, or accounts receivable. This type of financing offers flexibility and accessibility, especially for businesses with substantial assets but limited credit history. The loan amount is based on the value of the collateral, providing a reliable funding source for various financial needs, including working capital, expansion, and debt refinancing. Asset based lending can be structured as revolving lines of credit or term loans, offering tailored solutions to meet your specific requirements. Unlock the value of your assets and secure essential funding with asset based lending. Learn more.

Metro Detroit Business Loans
Metro Detroit business loans from LVRG Business Funding provide tailored financial solutions to support the diverse and dynamic businesses within the Detroit metropolitan area. Whether you need funds for expansion, equipment purchases, or working capital, our loans offer flexible terms and competitive rates. With a deep understanding of the local market, we ensure you have access to the resources necessary to thrive in this vibrant economic hub. Secure the financial support tailored to your business's success in Metro Detroit. Learn more

Michigan Business Loans
Michigan business loans from LVRG Business Funding are designed to support the growth and stability of businesses across the state. Our loans offer a variety of financing options, including term loans, lines of credit, and specialized funding solutions tailored to Michigan’s diverse economic landscape. Whether you operate in manufacturing, technology, agriculture, or service industries, our loans provide the capital needed for expansion, innovation, and operational efficiency. Empower your business with the financial tools necessary to succeed in the Great Lakes State.