Build Your Contracting Business on Solid Ground

The private contracting and construction industry is one of the largest sectors of the U.S. economy, contributing over $2 trillion annually to GDP and employing more than 8 million workers. General contractors, specialty subcontractors, remodelers, and custom builders form the backbone of residential and commercial development across the country. Despite strong demand driven by population growth, aging housing stock, and commercial development, contractors face persistent financial challenges rooted in the project-based nature of their work. Cash flow management is the single greatest financial challenge for most contractors. The typical construction payment cycle involves purchasing materials and paying crew wages weeks or months before receiving payment from clients or general contractors. Progress billing milestones help, but retainage (the 5-10% withheld until project completion) further extends the cash cycle. A contractor with $500,000 in active projects may have $50,000 or more tied up in retainage at any given time. Equipment represents another major capital need. Excavators, skid steers, trailers, scaffolding, and specialized tools are expensive to purchase and maintain. Many contractors also need funding for performance bonds and bid bonds, which are required for government and larger commercial projects but tie up capital. Brevo Capital partners with lenders experienced in the construction industry who understand project-based cash flow, retainage dynamics, and the seasonal patterns that affect many contractors. Our lending partners offer products ranging from equipment financing and lines of credit to term loans that give you the flexibility to bid on and execute larger projects.