Funding insights, operator playbooks, and practical guidance for growing businesses.

Why Low Cash Buffers Are Quietly Sinking General Contractors

Most general contractors don't go out of business because they lose money on a job. They go out of business because they run out of cash while waiting to get paid for work they've already completed. At Express Capital Funding, the average general contracting company that comes to us for financing has just $27,000 sitting in their operating account at the end of the month. For a business paying subcontractors, covering payroll, carrying material costs, and managing multiple jobs at once, that's often only a few days of runway, not a buffer, a tightrope.