Texas
Oilfield work is exempt entirely
- Owner pays
- 35 days
- Sub paid
- 7 days
- Lien filing
- 15th day of 4th month
United States · state-by-state business financing
Business financing by state
Every state writes its own construction payment law — so the same invoice can leave you waiting weeks longer in one state than another. Whether that clock protects you depends on where you build, and what you were building. Start with your state, then match the financing to the gap.
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- Referral and matching service
- Third-party lender decisions
Side by side
Three states, three different clocks.
The financing question is not only “how much do you need?” It is also who owes the money, what law applies, and how long your business may be forced to carry the gap.
The states
Each one breaks in a different place.
Pick the state first. Then match the financing conversation to the real legal and payment pressure behind the receivable.
Virginia
Pay-if-paid is unenforceable
- Owner pays
- 60 days
- Sub paid
- 7 days after owner pays
- Lien filing
- 90 days
Georgia
A signed waiver goes conclusive at 90 days
- Owner pays
- 15 days
- Sub paid
- 10 days
- Lien filing
- 90 days
Lender fit
The state tells us where the risk starts.
A funding partner is not only looking at your credit score. They read the payment source, the invoice quality, the contract terms, the deposit history, and how predictable the cash-flow gap is.
Check my fitWhich state controls the work?
The applicable state changes the payment clock, lien timing, retainage pressure, and how much statutory leverage you actually have.
Who owes the money?
A funded public owner, a commercial owner, a general contractor, and an oilfield operator can each underwrite very differently.
What is actually causing the gap?
Slow owner payment, delayed draws, retainage, a signed waiver, and seasonal work each point toward a different financing path.
Which route matches the pressure?
Invoice financing, working capital, and a line of credit solve different problems. The wrong product is an expensive way to bridge the gap.
Canada handled separately
View Canadian provincesLooking for provincial financing?
Canadian financing is covered province by province in a separate hub, because construction payment rules, lender expectations, and borrower documentation are different.
Start here
Tell us the state, the invoice, and the gap.
Crewline helps match business owners with third-party partners. Start with the state, then tell us whether the problem is a slow payer, retainage, payroll timing, supplier pressure, or a bank decline.
Crewline is a referral and matching service, not a lender. We do not make credit decisions or guarantee approval. Financing is provided by third-party lenders subject to their own terms and criteria.