Construction and contractors
Funding for crews, equipment, and the gap between draws.
General contractors, subs, and specialty trades in Texas need capital that matches the rhythm of construction: mobilization, retainage, and draw schedules that rarely line up with payroll.
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What we hear from operators.
- Retainage held back until project completion
- Material price volatility and supplier credit limits
- Heavy equipment fleet financing and refresh cycles
- Bonding capacity tied to working capital
Capital structures that fit construction and contractors.
Commercial construction loans
Ground-up and renovation financing for Texas projects.
Equipment financing
Get the equipment you need without draining your cash.
Business lines of credit
Flexible working capital for your business needs.
Invoice factoring
Turn unpaid invoices into immediate working capital.
Texas construction spending leads the nation, with sustained activity across DFW, Austin, Houston, and San Antonio metros. Both vertical and horizontal contractors lean on TCS for mobilization and draw-gap financing.
A DFW commercial sub financed a fleet refresh of skid steers and excavators through equipment loans, then layered a working capital line to bridge retainage on a $4M school project.
Composite example for illustration. Not a specific client.
Funding tailored to your industry.
We will analyze your situation and recommend a capital structure built for how your business actually operates.
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