A general contractor specializing in industrial and hydroelectric projects was poised for expansion. The company had recently entered a strategic partnership with a subcontractor, opening doors to a new market segment. However, seizing this opportunity required immediate liquidity to support rising demand during their busiest season. With limited time and traditional lenders falling short, the contractor turned to Fora Financial for fast, flexible capital.
Vision
The contractor’s vision was to grow its market share by expanding its project catalog and building momentum through a high-volume season. By securing working capital, the company aimed to meet peak-season demand, strengthen its partnership network, and lay the foundation for continued growth into new regions.
Opportunity
The new subcontractor partnership unlocked access to larger-scale opportunities, including entry into a previously untapped market segment. If the company could execute its growing project backlog on time, it would set the stage for record-breaking revenue, targeting over $100M for the year.
Challenge
Seasonal Cash Strain
With the busy season spanning July through September, upfront labor and material costs spiked rapidly while incoming revenue lagged behind.
Delayed Bank Funding
The company had been approved by a specialized construction lender but faced major delays in closing the deal.
Risk of Missed Projects
Without quick access to liquidity, the contractor risked deferring or turning down critical high-value jobs due to lack of upfront working capital.
Accounts Payable Pressure
Engineering partners and vendors required timely payments, threatening to slow project momentum.
How Fora Financial Helped
Fora Financial delivered a $1,000,000 working capital solution in under three days, well ahead of the traditional lender’s timeline. The capital was used to pay vendors, support labor and materials for the upcoming projects, and maintain operational momentum through peak season. Fora Financial also structured the funding with aggressive prepayment discounts, allowing the company to minimize capital costs by repaying early when receivables arrived later in the season.
Results
Project Continuity
The business avoided delays and maintained its schedule across large-scale industrial and hydroelectric projects.
Stronger Cash Flow
By eliminating capital bottlenecks, the contractor was able to sustain payroll and meet supplier deadlines.
Growth-Ready
The company remained on track to surpass $100M in annual revenue, fueled by new project wins and a stabilized capital foundation.
Conclusion
Fora Financial’s fast, flexible capital allowed this commercial construction firm to seize a critical growth opportunity during its busiest season. With the right funding at the right time, the business avoided costly delays, maintained vendor relationships, and successfully expanded its market share.
Why Fora Financial
The decision to collaborate with Fora Financial was guided by:
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Speed & Efficiency
Funds were delivered in just three days, far faster than traditional financing routes.
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Flexible Terms
Fora Financial offered early payment discounts instead of penalties, aligning perfectly with seasonal cash flow.
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Tailored Approach
Fora Financial’s ability to understand the timing and scope of construction lending needs made the difference in bridging the gap quickly.