Contractor finance
4 articles on contractor finance for home service contractors.
Contractor Business Credit: How to Build a Paydex 80+ Profile, Unlock $250K in Trade Credit, and Stop Personally Guaranteeing Every Loan
Contractor business credit separates owner liability from company debt and unlocks bank lending terms 2-4 points cheaper than personal-credit-only paper. A Paydex 80+ profile takes 3-6 months to build and saves $15,000-$30,000 over the life of a single SBA loan.
Jun 6, 2026Contractor Equipment Financing in 2026: Rates, Lenders, and the Section 179 Math That Actually Pays Back
Contractor equipment financing in 2026 spans a wide rate band: 5-7% APR on dealer captive financing for prime borrowers, 8-12% on bank equipment loans, 9-11.5% on SBA 7(a), and 18-22% on subprime independent paper. The right structure depends on credit, collateral, and how the $2.56M Section 179 deduction lines up against the loan.
Jun 5, 2026Contractor Bookkeeping in 2026: DIY, Bookkeeper, or CFO at $500K / $1.5M / $5M Revenue
Bad contractor bookkeeping leaks 8-15% of annual revenue — $80,000 to $150,000 a year on a $1M shop. This is the honest 2026 breakdown of when to DIY, when to hire a $500-$3,000/mo bookkeeper, and when a fractional CFO finally pays for itself.
Jun 5, 2026Contractor Cash Flow Management: The 4 Metrics, the Seasonal Gap, and the Financing Decisions That Actually Matter
The average construction contractor waits 94 days to get paid while payroll runs every two weeks. Contractor cash flow management is the difference between surviving the shoulder season and missing payroll.