The problems we see on the deal desk,
written up before they become yours.
What We See is our resource section. Each piece is built around a real problem business owners bring to us, the upstream variables they may not have thought about, and what we'd look at first. It reads like expert content, because it is.
Every article sits under a problem pillar. We publish a new piece each week, so the library grows steadily. Start with whatever matches the situation you're in right now.
The moments where capital has to show up before the revenue does. Mobilization, mobilization costs, and the gap between winning work and getting paid for it.
The structures, rates, and terms owners run into but rarely get explained plainly. Building the vocabulary to make a real funding decision.
Active pressure on the business right now. Overdue invoices, payroll tomorrow, liens, and debt that's strangling the operation.
A decision point where the right capital unlocks the next step. Equipment, real estate, acquisitions, and growth plays.
What's coming next
Be Ready to Move
5 upcomingHiring before your client pays
The week you scale your team is the week payroll pressure spikes before the new contract covers it. Here's how to bridge the gap without saying no to the work.
Customers paying later than 60 days
A profitable contract can still break your cashflow if the client pays slow. Here's how to protect the business when payment terms stretch past 60 days.
Funding a supplier deposit
Suppliers want cash up front to hold inventory. Here's how to cover supplier deposits without draining the operating account before the first progress payment.
Buying materials before the job
Materials eat cash before any work is billed. Here's how to fund materials for a new contract without tying up every dollar you have.
Payroll before the first invoice
Your crew needs to be paid before the client's first check clears. Here's how to cover payroll in the mobilization window without missing a cycle.
Understand the Money
6 upcomingFactor rate to APR
A factor rate and an APR are not the same number. Here's how to translate a factor rate into an APR so you can compare short-term offers honestly.
What is a DSCR loan?
DSCR loans qualify on the property's cashflow, not your personal income. Here's when that matters and when a different product fits better.
Hard money vs bridge loan
Hard money and bridge loans sound similar but serve different deals. Here's how to tell them apart and pick the right structure for your project.
Short-term loan vs line of credit
One is a lump sum, the other is flexible access. Here's how to decide between a short-term loan and a line of credit based on how you actually use capital.
What lenders see in your bank statements
Lenders read your bank statements before they read your pitch. Here's exactly what they're measuring and how to spot the same signals first.
Daily vs weekly repayment
Repayment frequency isn't a detail, it's a cashflow decision. Here's how daily and weekly repayment structures affect your operating account.
Fix a Cashflow Squeeze
6 upcomingNeed to make payroll tomorrow
Missing payroll ends trust faster than anything else. Here's what's actually available when you're days away from a run and need to move.
Stuck waiting on a big invoice
The money's owed, the work's done, but the check hasn't cleared. Here's how to turn a stuck invoice into operating cash without waiting on the client.
Tax lien blocking your funding
A tax lien narrows your options but it doesn't close the door. Here's how lenders look at liens and which products still work when one's on file.
Vendor wants cash up front
When a key supplier tightens terms and wants cash up front, the whole job can stall. Here's how to keep supply moving and protect your cash position.
Credit card debt strangling the business
High minimums on business cards eat the cashflow you need to operate. Here's how to consolidate card debt into a structure that actually breathes.
Paying off a merchant cash advance
An MCA can spiral when daily debits outpace your margins. Here's how to refinance or consolidate an MCA and regain control of your daily cashflow.
Move on an Opportunity
6 upcomingBuying the building you operate from
Owning the space you operate from can beat leasing, but the financing is different. Here's how owner-user commercial real estate actually gets funded.
Need equipment fast for a new job
You won the work but you need the gear to do it. Here's how to fund equipment quickly so the new contract doesn't slip to a competitor.
Finance or lease equipment?
Financing builds ownership, leasing keeps flexibility. Here's how to decide between the two based on how long you'll keep the asset and what it earns.
BRRRR financing explained
BRRRR works when each stage has the right capital behind it. Here's how the buy, rehab, and refinance steps actually get funded in sequence.
Fix and flip funding options
A flip needs capital for the purchase and the renovation, often before any sale. Here's how fix-and-flip loans are structured and what lenders look at.
Buying out a business partner
A partner buyout is part ownership transition, part capital structure. Here's how to fund the buyout without draining the operating business.