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Cash-Flow Guide · 2026

Funding the Draw Schedule & Retainage Gap

Progress draws and retainage tie up your cash. Here's how contractors bridge the gap and keep building.

Short answer: Progress draws pay in arrears and retainage holds back 5-10% until closeout — so contractors routinely front payroll and materials before getting paid. Funded Contractor Capital bridges that gap on your deposits (not the contract), so a slow draw or held retainage doesn't stall the job. $25K-$5M, FICO 500+, 24 hours.

Where cash gets tied up

Common draw and retainage gaps.

GapWhat it ties upFunding fix
Progress draw in arrearsPayroll & materials already spentWorking capital / bridge
Retainage held to closeout5–10% of each billingBridge financing
Change-order delayCosts of extra workWorking capital
Slow-paying GC/ownerCash owed to youBridge / factoring

Why contractors choose us

  • Bridge the gap without owner sign-off
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • No tax returns — 3 months of bank statements
  • One application, multiple funding options

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What is retainage?
A portion (often 5-10%) of each progress billing held back by the owner or GC until the project is complete.
How do contractors handle slow draws?
They bridge the gap with working capital or a bridge, repaid when the draw or retainage is released.
How fast can I get funded?
Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and bank-deposit consistency.

Bridge your draw gap

Apply in 5 minutes with a soft credit pull.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.