Working Capital for General Contractors
General contractors juggle multiple subcontractors, material orders, and draw schedules on every job, and a single delayed draw can stall payroll across an entire crew. Paz Working Capital gives general contracting businesses fast access to cash between draws and change orders so projects keep moving.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so general contractors never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Progress payments on construction draws are often released 30 to 60 days after the work is completed and inspected.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Subcontractors and material suppliers frequently expect payment well before the general contractor collects its own draw.
One approval, draw what you need, and return for additional funding as your general contractors business performs. Bidding on a new project often requires covering permit fees, bonding costs, and mobilization expenses before the first payment arrives.
Cover payroll and subcontractor invoices while waiting on the next construction draw
Fund the upfront costs of starting a new job before revenue arrives
Keep trucks, tools, and heavy equipment running without draining job-site cash
Yes. Paz Working Capital is a purchase of your future receivables, not a loan tied to a specific project, so funding can be used to bridge payroll and subcontractor payments while a draw is in process.
No. Qualification is based on time in business and monthly revenue, generally six or more months in business with at least $10,000 in monthly revenue, not the number of active job sites.
Yes, funds can be used for any legitimate business purpose, including bonding, permit fees, and mobilization costs tied to a newly awarded project.
Paz funds general contractors from $2,500 to $5,000,000. Most general contractors qualify for $25,000 - $250,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
General Contractors funding, approved in as little as 24 hours