Equipment & Invoice Finance
Leasing, equipment finance, factoring and A/R lines for businesses with assets to borrow against.
Equipment & Invoice Finance
How should contractors plan cash flow around retainage?
Treat retainage as unavailable until it clears. Scope complete is not the same as cash released.
Equipment & Invoice Finance
Extra work on the walk: what must be in writing to get paid?
Extras agreed on a site walk often never reach an invoice. A one-page field change order, signed before work starts, turns them into a billable line.
Equipment & Invoice Finance
GC kicked back your pay app? Fix it before the billing cutoff
A rejected pay application does not have to cost a month. Get the reason in writing, resubmit the undisputed lines this cycle, and back up the rest.
Equipment & Invoice Finance
Federal job, prime got paid. Do they owe you within 7 days?
Federal construction subcontracts must carry a 7-day payment clause with interest on late amounts. Check the clause, log dates, and ask the contracting officer when needed.
Equipment & Invoice Finance
Section 179 basics for contractor equipment purchases
Section 179 is an IRS deduction rule for eligible business property. Read IRS Publication 946 and talk with a qualified tax pro before planning a buy.
Equipment & Invoice Finance
What documents do contractors need for equipment financing?
A complete document package speeds equipment financing more than another status call.
Equipment & Invoice Finance
Lender wants to be loss payee on your excavator? What that means
Financed and leased equipment usually needs physical damage coverage that names the funder as loss payee. Set it up before delivery day so funding does not stall.
Equipment & Invoice Finance
Auction payment due in days: how do contractors finance the machine?
Auction payment clocks are short. Get a written pre-approval, set a max bid that covers premium, tax and transport, and check liens before the gavel.
Equipment & Invoice Finance
How do contractors apply for equipment financing?
Equipment financing starts with a quote, new-or-used status, and loan vs lease. Package the file cleanly. Equipment financing is not an MCA.
Equipment & Invoice Finance
How long does equipment financing take to fund for contractors?
Funding speed depends on a complete file, inspections, insurance, and title, not a marketing promise.
Equipment & Invoice Finance
Can a new contractor get equipment financing?
Young construction businesses can get equipment financing in some cases, but expect tighter terms and more documentation.
Equipment & Invoice Finance
How much down payment do contractors need for equipment financing?
There is no single down-payment percent for every contractor equipment deal. Cash at signing depends on the funder, the machine, and your file.
Equipment & Invoice Finance
Can contractors finance used construction equipment?
Used equipment can be financed, but age, hours, and inspection results change down payment, term, and whether a lessor will touch the deal.
Equipment & Invoice Finance
Equipment loan vs equipment lease for a construction company
Loans and leases are both equipment products, not a sale of future receipts. Compare ownership, residuals, and who pays major repairs before you sign.
Equipment & Invoice Finance
Should a contractor buy, lease, or rent an excavator?
Utilization and idle weeks decide buy vs lease vs rent more than the sticker price. Map hours, downtime, and payment dates before you commit.
Equipment & Invoice Finance
Invoice factoring vs a merchant cash advance: which one fits your business?
If your cash is stuck in unpaid invoices from other businesses, invoice factoring is usually the better fit: you sell those invoices for cash now, and the cost ends when your…
Equipment & Invoice Finance
He Declined the Engine. Then It Died Under Him.
"You're also fourteen miles out on a boat going five knots."
Equipment & Invoice Finance
Invoice factoring: the "3% fee" that's really 48%
Invoice factoring: the "3% fee" that's really 48%
Getting the calls? Shut it down.
Check a broker, then use the finance skill in your own AI. MCAFax has no user accounts and no sign-up.
Open the finance skill