Work in Progress Financing
Keep your projects moving—even when client payments don’t.
What is Work in Progress Financing?
Work in Progress (WIP) financing gives construction and manufacturing companies the cash they need at each stage of a project. Whether payments are delayed, staggered, or tied to milestones, WIP financing ensures you can cover labor, materials, and equipment without slowing down.
How Work in Progress Financing Works
WIP financing is built for long-term projects where cash flow doesn’t line up with expenses. Instead of waiting on payments, you’ll have access to funds as you hit milestones, keeping projects on track and teams supported.
Why It’s Beneficial
WIP financing is flexible, powerful, and designed around how real projects unfold.
- Commercial General Contractors – Cover multi-phase projects that span months while paying subs and vendors on time.
- Custom Manufacturers – Keep production moving on made-to-order products with funding at each stage.
- Specialty Construction Firms – Take on complex builds and renovations without waiting on client payments.
- Independent Project Managers – Ensure smaller projects stay on schedule with funds dedicated to the work.
Why it Works
WIP financing is built for long-term projects where cash flow doesn’t line up with expenses. Instead of waiting on payments, you’ll have access to funds as you hit milestones, keeping projects on track and teams supported.
Align Your Repayment
- Your repayment schedule matches your client’s payment schedule—so you’re never out of step or forced to cover gaps with your own cash.
Keep Funds Project-Focused
- Financing stays tied directly to the job, ensuring the money goes where it’s needed most and protecting your reserves for growth.
Build With Confidence
- With cash flow stabilized, you can focus on delivering results, finishing strong, and taking on the next opportunity.
Who Should Consider WIP Financing
WIP financing is for anyone working on milestone-driven projects where expenses come before payments.
- Small-scale infrastructure projects like local road work.
- Custom home builders needing funds at each stage.
- Specialty renovation contractors working on high-end or complex builds.
- Manufacturers producing made-to-order products.
- Bonded government projects or specialty services requiring steady funding through completion.
Connect With our Team of Experts
Behind every funding solution is a team that understands your industry and the challenges you face. At Mobilization Funding, we’re not just finance pros—we’re partners who work with you to find the right strategy for your business. From your first conversation to your final draw, we’re here to help you succeed, with clarity, consistency, and confidence.
