Capital built for general contractors, subs, framers, electricians, plumbers, HVAC, and concrete crews — funded before your next pour.
$2.1T U.S. construction market — 73% of contractors face cash flow gaps quarterly
It's a Friday at 4:47 PM. The GC's accounting department 'didn't get to your draw this week.' You owe $87K in payroll, $34K to your concrete supplier, and Monday is a foundation pour you cannot postpone. Your business bank says they 'need 30 days.' You start dialing your brother-in-law and your home equity line, knowing you'll lose your best foreman if the check bounces.
With a $250K working capital line in place, that Friday becomes a non-event. Payroll runs Monday morning. The pour happens on schedule. The GC is impressed by your reliability and brings you in on the next $1.4M phase. Your foreman gets a raise instead of a callback from your competitor.
If 2+ of these sound familiar, you don't have an operations problem — you have a capital problem.
You finished the framing six weeks ago. The check is 'in processing.' Meanwhile your crew of 14 expects checks tomorrow and Home Depot froze your account.
The GC awarded the contract to the bigger competitor — not because they're better, but because they could front $400K in lumber and steel without blinking.
Rental rates just doubled. You're losing 3 days of crew time. The down payment on a new CAT 262 is $18K and your bank wants 6 weeks.
The owner approved $85K in upgrades verbally. Your supplier wants payment Net 15. The change order officially clears in 90 days.
You'd qualify for the $2M school renovation if your liquidity numbers were stronger. Without working capital reserves, the surety company won't increase your line.
This is what construction owners do with Pincutt funding — and what you'd do too.
Working capital deposited the same week — keep your crew paid, your reputation intact, and your best guys from walking to the competition.
Floating $250K–$1M in materials becomes routine. Win the work that actually moves your company forward.
Equipment financing with the asset as collateral — own the bobcat, excavator, lift, or fleet truck. Stop renting your margin away.
Say yes the moment the owner asks. Knock out the upgrade, raise your invoice, and look like the hero who actually executes.
More working capital = bigger bonds = bigger jobs. Capital is the unlock for everything you actually want to chase.