Contractor finance
4 articles on contractor finance for home service contractors.
Essential Guide to Contractor Business Credit Solutions
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, 2026Essential Contractor Equipment Financing Options for 2026
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, 20262026 Contractor Bookkeeping: Essential Tips and Insights
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, 2026Effective Contractor Cash Flow Management Strategies
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.