A construction business with active contracts running hit a timing problem. Large receivables were coming, but not fast enough to cover near-term obligations. The business was healthy on paper, but the calendar was working against it. It needed a bridge, not a bank.
Vision
Keep the jobs moving. Meet the obligations. And when the receivables landed, pay down the financing early and move on without any lingering cost. The contractor was not looking for a long-term lending relationship. It needed a short-term solution that could get out of the way once the cash arrived.
Opportunity
Construction businesses run on large, lumpy payments. When the timing works, the model is highly profitable. When it does not, a short-term gap can look worse than the underlying business actually is. A lender that could read past the timing issue and structure around the incoming receivables was the right fit.
Challenge
Uneven Cash Flow
Large contracts meant large receivables, but also long waits. Obligations did not pause while payment cycles ran their course.
Short Window to Act
Near-term expenses were approaching fast. There was no time for a prolonged application process.
Needed Flexible Terms
The merchant knew payments were coming and needed the ability to retire the balance early without penalty once they landed.
How Fora Financial Helped
Fora Financial provided $150,000 with minimal documentation and a fast approval. The structure gave the business room to cover current obligations while keeping active jobs on track. When the receivables came in, the merchant paid off the balance early, exactly as planned.
Results
Gap Covered
Short-term obligations were met without any disruption to operations or active contracts.
No Project Delays
Every job in progress stayed on schedule.
Paid Off Early
Once the receivables cleared, the merchant retired the balance ahead of schedule and minimized total financing cost.
Conclusion
This was exactly the kind of deal Fora Financial is built for: a strong business with a temporary timing problem that needed a lender who could read the situation accurately and structure accordingly. In and out, efficiently.
Why Fora Financial
-
Approved Quickly
Capital arrived before obligations became a problem.
-
Low Documentation
A streamlined process that did not require weeks of back-and-forth.
-
Control Over Repayment
Early payoff was not just allowed, it was built into the plan from the start.