GET FUNDED
Winning a major contract is supposed to feel like a victory. For Harmon & Sons Construction, landing a six-figure renovation project should have been cause for celebration—instead, it created a cash flow problem they hadn't seen coming.
$75,000.00
Construction
Bridging Payment Gaps
*To protect our client's privacy, names and identifying details have been modified.
Harmon & Sons Construction, a family-owned general contractor based in the Midwest, had spent over fifteen years building a reputation for quality work on commercial renovation projects. Their portfolio was solid, their clients trusted them, and their business was growing. The problem wasn't their ability to do the work—it was financing it.
When Harmon & Sons won a contract to renovate a multi-story office building, it was their largest project to date. The opportunity was real and the contract was signed. But milestone-based payment terms meant weeks of upfront costs before a single payment would arrive—and their cash reserves weren't enough to cover it.
Milestone-based payments meant no income until significant work was complete
Labor, materials, and subcontractor deposits needed upfront before starting.
The existing cash reserves weren't enough to bridge the gap between payments.
Traditional financing was too slow—the contract required mobilization within days.
Harmon & Sons turned to Capitalize Funding for a Cash Flow Funding solution that moved at the speed their contract required. Unlike traditional financing, approval was based on their revenue and track record—not weeks of documentation and collateral evaluations.
This is how Cash Flow Funding addressed their needs:
No collateral, no lengthy documentation—just a straightforward look at their track record and cash flow.
The infusion of capital was available fast enough for the company to meet the contract's mobilization timeline.
Harmon & Sons covered upfront costs without touching the cash reserves keeping their other projects running.
This funding approach allowed Harmon & Sons Construction to mobilize immediately, knowing they could meet every upfront cost while waiting for payments to arrive.
Since partnering with Capitalize Funding, Harmon & Sons Construction was able to execute their largest contract to date—without compromising their financial stability.
With additional capital in place, Harmon & Sons started the job on time without scrambling for resources.
The renovation was delivered according to contract terms, protecting their reputation and client relationship.
The funding covered the new contract's upfront costs without touching the cash flow keeping other jobs running.
Completing their largest project to date strengthened their portfolio and opened doors to similar contracts.
Harmon & Sons no longer had to choose between protecting their cash reserves and pursuing growth. With the right funding in place, they could finally say "yes" to the contracts that moved their business forward.
Winning a big contract should feel exciting. For us, it felt terrifying until we called Capitalize Funding. They got us funded fast enough to actually say yes.
Harmon & Sons Construction
Construction companies win contracts every day that they can't afford to start. The gap between signing an agreement and receiving the first payment is a real financial obstacle—one that has nothing to do with the quality of the business or the work they do. Harmon & Sons' story demonstrates that the right funding at the right time is the difference between winning a contract and actually completing it.
If your construction company is facing a similar cash flow gap, Capitalize Funding's Cash Flow Funding gives you a way to mobilize quickly without draining your reserves. Contact us today to discuss your situation.
Let's get the right funding in place so you can focus on growing your business.
Federal law requires all
financial
institutions to obtain, verify and record information that identifies each person and entity
that
opens an account or establishes a relationship with such institution, including name, birthdate,
social security or federal tax identification number, and other information that will allow the
financial institution to verify the person's and/or entity's identity.
What this means for you:
When opening an account, we will ask for this and other information, which will allow us to
identify
you, including your driver's license or other government identification.