Working capital
For payroll, mobilization, material orders, fuel, and supplier pressure before a draw or holdback lands.
Check working-capital fit → Contractor cash-flow desk
The job can be profitable and still starve the account.
You pay your crews, materials, fuel, and subs before the progress draw clears and the holdback comes off. That gap is where a good job starts to hurt — so match it to the right route: working capital, construction invoice factoring, or a business line of credit.
Not ready to apply?Call or text 780-830-8726— a real person, no credit pull. No credit pull to start Built around draws and holdbacks Real person review
The contractor problem
Construction cash flow breaks in the spaces between milestones.
A contractor can have good margins on paper and still run short because the cash schedule does not match the build schedule.
01
Mobilize
Site setup, deposits, fuel, and early labour hit before the first billing clears.
02
Materials
Supplier bills land before the owner or GC releases the next progress draw.
03
Crews paid
Payroll is weekly. Draw schedules are not. That is where the squeeze starts.
04
Progress draw
Money comes in stages, and paperwork delays can stretch the gap further.
05
Holdback
Part of the contract value can stay locked until completion even after most costs are spent.
Route the pressure
Do not use one kind of money for every construction problem.
Payroll between draws, a slow-paying GC, and a seasonal winter dip may all feel like the same cash problem. Lenders read them differently. Crewline’s job is to route the file based on why the gap exists.
Before billingWorking capital can bridge mobilization, payroll, and material deposits.
After billingInvoice factoring can pull cash forward from approved commercial receivables.
Recurring swingsA line of credit can handle the normal ups and downs of a construction year.
Contractor routesPre-draw Receivable Buffer Equipment
Match the funding to the job stage.
Each route sends you into the application with the industry and route already set, so a real person can pick up the file faster.
Construction factoring
For slow-paying commercial invoices, progress billings, and GC payment terms after work has been billed.
Check factoring fit →Line of credit
For repeatable seasonal swings, project gaps, and routine timing differences throughout the year.
Check credit-line fit →Asset financing
For machines, trucks, and trailers. Keep this separate from short-term payroll and materials funding.
Route to IronFinance → Gap planner
See the gap coming before it catches you short.
A quick planning tool: size the timing gap so you can walk into the application with clearer numbers.
Estimated contractor pressure
This is not an approval estimate. It is a planning tool to help explain the size and timing of the gap.
$18,000Contract holdback
$72,000Cash needed during delay
$90,000Total timing pressure
HighPlanning urgency
Lender fit
Contractor approvals depend on the story behind the file.
Credit matters, but lenders need to understand the repayment source: deposits, contracts, draw schedules, receivables, and who owes the money. If a factor is buying those receivables, your bank’s existing registration and any no-assignment clause in the contract both come into play — the PPSA rules on assigning receivables explain what has to be cleared first.
$
Revenue and deposit consistencyBank statements show the real operating rhythm.
C
Signed contracts and draw schedulesClear milestones help explain repayment timing.
AR
Accounts-receivable agingWho owes you, how much, and how reliable they are.
H
Holdback and billing detailsThe cleaner the documentation, the easier the route match.
Capital, not equipment
Financing the work is not the same as financing the machine.
Covering payroll, materials, subs, and holdback gaps is capital financing. Buying an excavator, skid steer, truck, or trailer is asset financing. Keeping that line clear means you do not use expensive short-term capital for long-lived equipment.
CrewlineCash flow, working capital, invoice financing, line of credit.
IronFinanceEquipment, trucks, trailers, and machine-backed asset financing.
Questions
The questions you want answered before you apply.
How payroll gets covered, whether invoices can be factored, and why equipment financing is separate.
How do contractors finance payroll between progress draws?
Usually with working capital or a line of credit sized around revenue and cash flow, then repaid as the draw or holdback lands.
Can construction progress invoices be factored?
Often, yes. The factor needs clean commercial invoices and may review holdback treatment, lien considerations, and whether the GC or owner is creditworthy.
Does Crewline finance contractor equipment?
Crewline focuses on capital financing for payroll, materials, receivables, and operating cash flow. Equipment and asset financing should route separately to IronFinance.
Start with the job
Tell us what costs hit before the draw lands.
A few questions about your business, the job, and the timing. No credit pull to start — a real person reviews the file and helps route it.