Industries · Construction
Construction runs on long payment cycles, held-back retainage, and project-based cash gaps — while payroll, equipment, and materials come due now. Yogi Capital matches contractors with lenders built for that timing.
Check if I qualifyThe challenge
Few industries carry a wider gap between doing the work and getting paid. Net-60 and net-90 terms are routine, a slice of every invoice sits in retainage until the job closes out, and mobilization and bonding costs hit before the first draw arrives. Add an equipment-heavy balance sheet and staggered project schedules, and even a profitable contractor can run short on cash in the weeks that matter most.
How funding helps
Working capital lets you carry payroll, materials, and mobilization without waiting on a slow-paying owner or a held-back final draw. With the right facility in place, you can take on the next contract before the last one pays out, keep crews moving across overlapping projects, and put equipment back in service quickly. Yogi Capital is a brokerage — we match your profile to lenders in our network so the terms fit how construction cash actually flows.
What businesses use it for
Contractors put funding to work in a handful of familiar places — the spots where the timing of cash, not the health of the business, is the real constraint.
Cover the gap between completing a job and collecting on net-60, net-90, or held-back retainage — so a slow-paying owner doesn't stall your next move.
Acquire the excavator, lift, or truck a contract demands, or get a broken-down machine back on site fast — without draining the cash you need for payroll.
Keep crews paid on time when several jobs run on staggered schedules and the draws don't all land in the same week.
Order materials and cover mobilization for a new contract before the first payment comes in, so a bigger job never slips out of reach.
Funding that fits
A few programs in our network tend to fit construction best. Explore the ones that match how you'd put the capital to work.
Spread the cost of heavy machinery and vehicles over their working life instead of paying out of pocket all at once.
🔄Draw as you need it to bridge payment gaps and cover payroll, then repay as draws and invoices come in.
⚡Fast working capital for materials, mobilization, and the next contract, with minimal paperwork and performance-based approvals.
It takes about a minute and there's no obligation. Find out where your business stands.
Check if I qualifyWe onboard a limited number of new businesses each week to keep service personal.