Frequently Asked Questions
If you’re winning more work but feeling the strain of funding it, you’re not alone. In construction, growth creates pressure—because every new project pulls cash out of your business before it ever puts money back in.
Our loan program is built to solve that exact problem. We fund your project execution, so your organizational capital stays where it belongs: fueling growth.
Questions about how our project-based financing works? We’ve got answers.
Is the project funding account in my company’s name?
Yes. The project funding account is opened in your company’s name using your EIN.
This ensures full transparency and control—you always know where your project funds are and how they’re being used. The account is dedicated to your project, creating clean, organized cash flow for execution, payments, and repayment.
Think of it as a structured environment that keeps your project funded and your operations running smoothly.
How does the cash flow tie into your solution for my projects?
Our Cash Flow Model is more than a spreadsheet. It’s a powerful planning tool that shows a real-time view of the liquidity and profitability of your project. It is also how the structure we use to build your loan.
We overlay our funding directly onto your model so you can clearly see how cash flow gaps are filled and execution becomes smooth.
Can you fund bonded work?
Yes, we regularly fund bonded work.
In fact, our model often strengthens your position on bonded projects by ensuring consistent cash flow for labor, materials, and vendors. This helps maintain project performance, which is exactly what sureties want to see.
Can you fund my project if we have a factor in place?
Absolutely. We often work in tandem with factoring facilities. Our loan program funds your project costs before you invoice. The factoring partner eliminates the delay between submitting your pay app and getting paid.
What if we have a line of credit with a bank?
A bank line of credit is the gold standard for business finance. It is a great financial tool to have in your toolbox, but it is not designed to solve the project funding/payment gap.
Will this negatively affect my relationship with my bank?
No—in fact, it can even improve it. By preserving your cash and strengthening your balance sheet, you become a more attractive borrower to traditional lenders over time.
What documents do you collect for application?
Our application package is meant to provide clarity and help us verify the financial health of your business before deploying capital. We ask for documents such as:
- Profit & Loss statements for the past two years and year-to-date
- Balance Sheets matching those periods
- Current Accounts Receivable aging
- Current Accounts Payable aging
- A complete and updated debt schedule
To learn more about preparing your financial package before submitting an application, check out our Financial Readiness Checklist.
What if I don't need all the money I'm approved for?
Our program is designed to be flexible. You only draw what you need, when you need it, and you only pay interest on the outstanding balance.
This allows you to stay efficient with capital while still having access to the full funding capacity if your project requires it. It’s about giving you control—not forcing you into unnecessary borrowing.
What happens if the project gets delayed?
Delays are a normal part of construction—and our model is built with that reality in mind.
Because everything is structured around your cash flow model, we can quickly adjust and re-forecast as timelines shift. Our team works alongside you to ensure funding continues to support execution without creating pressure on your business.
Do all my pay apps need to be deposited into the project funding account, even if I'm only using MF funds for a month but the project is several months?
Any pay apps tied to the funded portion of the project are directed into the project funding account.
This ensures proper alignment between project cash flow, funding, and repayment. It keeps everything clean, transparent, and predictable.
If only part of the project is funded, we’ll clearly define which payments are included so there’s no confusion.
What is your collateral for the loan?
The primary collateral for our loan is your executed contract.
We underwrite the strength of the project, not just your balance sheet. This allows us to fund opportunities that traditional lenders often overlook.
Are there any prepayment penalties?
No, there is no penalty for paying off your loan early. Why penalize your success?!
Do you need an invoice to fund?
No, our loan is based on your contract. We need an executed contract to disburse funds.
Does the GC or owner know that we are working with you?
Yes. We execute a funds directive – a short payment instruction agreement that directs the party who pays you (your GC or your customer) to send the money for specific invoices or contract proceeds to a designated account controlled by your lender.
Your GC wants their projects to run smoothly and payments to be predictable. Position the Funds Directive as a standard AP update that keeps your project funded and moving.
How to frame it:
- This is a standard payment instruction used across construction financing.
- It applies only to the invoices we’ve financed for this project.
- You still review and approve pay apps the same way; only the remittance destination changes.
This is a standard and widely accepted process in construction financing. Most GCs and owners appreciate the consistency it brings—projects stay funded, vendors are paid on time, and execution stays on schedule.
How is this different from factoring, MCA, or a bank line?
Mobilization funding is the only financing tool specifically designed to fund direct project costs before you submit a pay app. For a comparison against other financing options, please visit our page, What is Mobilization Funding?
What types of projects will you fund?
We fund a wide range of commercial construction and related projects, including:
- Commercial subcontracting (drywall, electrical, plumbing, framing, etc.)
- Government and municipal projects
- Large-scale residential developments (e.g., multi-home communities)
- Infrastructure and specialty trades
- Construction-related manufacturing (steel fabrication, modular components, etc.)
If your project has a defined contract, and a clear scope, there’s a strong chance we can support it.
What can the funds be used for?
Funds are used for direct project costs, including but not limited to:
- Labor and payroll
- Materials and supplies
- Equipment and rentals
- Vendor and subcontractor payments
- Bonding and project-related expenses
How long does it take to get approved and funded?
The average timeline to funding is about 9-10 business days.
How is this different from using my own cash?
Using your own cash ties up your ability to grow. Our model separates project execution from organizational capital—so you can execute today’s work and invest in tomorrow’s growth at the same time.