AFARI Capital Network Group
Construction companies often need capital for materials, payroll, mobilization, retainage gaps, and equipment.
Quick Answer
Construction companies often need capital for materials, payroll, mobilization, retainage gaps, and equipment. Capital may be used for payroll, inventory, equipment, contract performance, expansion, refinancing, or cash flow timing when the file supports repayment.
Funding Products
Frequently Asked Questions
Most lenders request bank statements, business information, owner identification, revenue details, and documents tied to the specific funding product. Traditional products may require tax returns, financial statements, debt schedules, leases, invoices, purchase orders, equipment quotes, or property documents. A complete file usually receives a cleaner review.
Funding speed depends on the product, documentation, underwriting depth, and whether the file is complete. Some working capital reviews can move quickly, while SBA, commercial real estate, construction, and bank products can take longer. Complete documents, accurate information, and prompt responses help reduce delays.
Lenders review bank statements to understand deposits, average balances, cash flow consistency, overdrafts, NSFs, existing payments, and revenue quality. Bank statements help underwriters verify operating activity and repayment capacity. They may look for recurring deposits, large unusual withdrawals, excessive cash deposits, negative days, and payment obligations already hitting the account.
Speak With a Capital Advisor
AFARI helps business owners organize the file, understand the funding path, and submit documents securely for review.