Fast Construction Funding Solutions

Construction Financing & Factoring Services

Whether you are breaking ground on a new building or adding on additions, you are most likely going to need a reliable source of capital. Depending on the project, you may need a large sum of money up front, or continued payments at certain intervals to keep cash flow incoming as you work. Some projects that usually require construction financing include:

  • Retail buildings
  • Small business offices
  • Warehouses
  • Physician or other medical offices

Other projects such as large outdoor structures or certain landscaping endeavors may also require a large source of funding to be able to get off the ground. It is rare that a Contractor or Subcontractors have all of the resources needed up front to complete such large projects. That is where choosing the right construction funding comes into play.

Both Subcontractors and the General Contractors they are working under can benefit from having a reliable source of construction financing. With funds you can depend on, you can take on more work without worrying about how you will cover expenses.



Construction Funding


Construction Financing For Subcontractors

As a subcontractor, you want to ensure that you are able to take on the projects you need in order to keep your business thriving. When a General Contractor you are working with has already assured a customer that the job will be done, you don’t want to be held back by expenses necessary for you to complete your part of the bid.

For qualified subcontractors, Capstone provides Single Invoice Factoring for work performed under contract with a General Contractor that has issued a payment and performance bond to the owner of the project. Capstone has highly experienced construction professionals on staff to facilitate the purchase of construction related accounts receivable.

Our staff has operated on job sites as project managers and understands how critical it is to have available funds for payroll, suppliers and operating expenses. These essential expenses must be paid in a timely manner for the growth of your business. Knowing that Capstone will purchase your invoices will provide you with the confidence to continue to bid on jobs and create a backlog of work.

Construction Financing For General Contractors

Similar as with Subcontractors, General Contractors want to have the freedom to take on jobs knowing that they will have their financial bases covered. Whether you are starting to bid on larger projects, or are taking on new jobs for existing customers, having the cash flow you need at the right time can ensure you follow through successfully without financial setbacks.

ClearPay

Capstone employs ClearPay for qualified General Contractors with bonds issued to an owner of a project. ClearPay is a tool that provides essential working capital to bonded general contractors.

ClearPay ensure clients have the working capital needed to pay subcontractors promptly, allowing them to complete the job on time and within budget.


ClearPay assists in:

  • Managing client payables with subcontractors
  • Prequalifying subcontractors to ensure proper performance
  • Setting up capital structures with bonding companies before the job begins.

ClearPay™, therefore, not only gets you the capital you need but also helps secure your future with a client by ensuring you have competent Subcontractors and other necessary measures in place.

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Single Invoice Factoring

Single Invoice Factoring is another solution to help provide capital to General Contractors and Subcontractors. The corporate finance tool of factoring allows a contractor or company to alleviate some financial burden by transferring the balance or risk of accounts receivable to a third party. This can be in the form of providing the capital from the expected payments from a customer to you while the customer is paying with credit or leveraging accounts receivable by that third party to get the highest return. With Single Invoice Factoring, this can be a one-time occurrence or as needed. There is no obligation to sell all invoices, making it ideal for construction financing. While other forms of Factoring require multi-year contracts, Single Invoice Factoring is ideal because you can use it on an as-needed basis only.

Capstone deploys Single Invoice Factoring Programs to fund General Contractors and Subcontractors to ensure on-time performance of tasks. ClearPay™ is also a tool that may be used for bonded Subcontractors.

Disadvantaged Business Enterprises

Starting a business from scratch can be challenging enough. When you are an entrepreneur with a disability or are a veteran, you will likely face even more challenges with starting out. Capstone believes in giving disadvantaged or minority business every opportunity to equip themselves with the tools needed for success. They should not be held back from achieving their business goals just because of physical or other hindrances.

We understand that there are certain barriers to market entry that sometimes exist for disadvantaged business owners, and we believe in doing our part to eliminate that barrier. MBE/DBE and Veteran Owned Businesses, whether a General Contractor or Subcontractor, can benefit from either program described above when pursuing construction financing. Capstone is a leader in providing financing to this essential component of our economy and has championed its funding to support outreach to major public works projects throughout the country.

If you are a General Contractor, Subcontractor, or an MBE/DBE or Veteran Owned Business, don’t let the lack of capital hold you back from accepting a project that can bring your business to the next level. Capstone

Start accelerating business cash flow, contact Capstone today. Please email us at info@capstonetrade.com or call us at 347-821-3400. One of our highly-trained representatives will walk you through our financial solutions and offer you a specialized plan to help you start accomplishing your goals. If you have any doubts or questions, they will be able to clarify how our products can help your business start achieving success today.