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How Construction Companies Accelerate Growth with Lendica’s Working Capital Solutions

construction_worker

In the capital‑intensive construction sector, managing cash flow while scaling multiple projects is critical. Several construction‑focused businesses, including solar installers, specialty contractors, and materials suppliers, turned to Lendica’s PayLater and FundNow products to unlock working capital, speed project delivery, and capture material cost savings. As a trusted working capital partner to small-medium and mid-market businesses across the U.S., Lendica has financed hundreds of millions of dollars in project costs and receivables, delivering positive ROI through faster project completion, preserved cash, and reduced procurement costs.

Construction Company Profiles

  • Solar Installation Contractor: Regional residential & commercial PV installer with frequent equipment purchases.
  • Flooring & Decorative Surfaces Contractor: Specialty installer handling large one‑off customer projects.
  • Stone & Granite Fabricator/Installer: Provides countertops & high‑end finishes, billing customers post‑install.
  • Landscape & Outdoor Construction Firm: Seasonal business purchasing bulk materials ahead of busy periods.

While their specialties differ, each company faces similar cash‑flow gaps between paying suppliers and receiving customer payments.

Challenges Regarding Cash Flow Management

  • Large upfront material costs strain working capital.
  • 30‑45‑day customer payment terms delay receivables.
  • Project schedules slip when funds are tight, limiting the number of concurrent jobs.
  • Missed early‑pay or bulk‑buy discounts increase project costs.

Lendica’s Working Capital Products

PayLater

  • Purpose in Construction: 30–60‑day financing of supplier invoices for materials & equipment.
  • Typical Use Pattern: Used repeatedly; construction companies commonly finance 5-10 invoices each month, ranging from $5K to $10K each, resulting in million dollar average annual totals.

Delay supplier payments with PayLater

Learn how you can pay your suppliers early, enjoy early-pay discounts and pay back up to 90 days later.

Learn more →

FundNow

  • Purpose in Construction: Advance of up to 90 % on outstanding customer invoices.
  • Typical Use Pattern: Used selectively per project; advances of $7–9K bridged 30‑45‑day payment gaps.

Speed up cash collection with FundNow

Learn how you can get paid upfront on your sales invoices.

Learn more →

Outcomes for Construction Businesses

  • Faster Project Delivery: Invoice advances eliminated 30–45‑day wait, keeping crews mobilized and enabling overlapping jobs.
  • Material Cost Savings: PayLater enabled bulk material buys capturing supplier discounts (5–10 %) that exceeded the financing fee (~2 %).
  • Liquidity Preservation: Hundreds of thousands of dollars of costs financed externally, freeing cash for payroll and new bids.

Return on Investment for Construction Companies

  • Net Savings Example: Financing fee of 2.5 % on a $30K material invoice (~$750) offset by 6 % bulk‑buy discount ($1,800) → $1,050 net gain.
  • Revenue Uplift Example: Access to $9K FundNow advance allowed a specialty contractor to start the next job two weeks earlier, adding an extra project worth $25K in the same quarter.
  • Repeat Usage Indicator: Solar installer increased financed volume from $15K first month to $190K over 6 months, demonstrating perceived value.

Best Working Capital Practices for Construction Businesses

  1. Combine PayLater & FundNow: Using both products creates a continuous financing loop from procurement to payment.
  2. Start Small, Then Scale: Begin with a single purchase or invoice to build confidence before expanding limits.
  3. Leverage Supplier Discounts: Model financing fees against early‑pay incentives; savings often outweigh costs.
  4. Automate Repayments: Linking accounts for auto‑debit reduces admin overhead and ensures on‑time performance.

Conclusion

By integrating Lendica’s flexible PayLater and FundNow financing into their workflows, construction businesses transformed cash‑flow constraints into a strategic advantage. The result is faster project cycles, lower material costs, and stronger growth capacity, all achieved with minimal administrative burden. Lendica empowers construction firms to build momentum and scale projects without tying up precious working capital.

Accelerate growth with working capital

Learn how Lendica’s construction industry solutions can help you manage your cash flow.

Learn more →

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Article Customer story

How Lendica Helped a Healthcare Staffing Company Scale with Personalized Support and Working Capital

personalized support

Eric Makowski, President of AMS Healthcare Staffing, shares how Lendica’s fast, affordable, and human-centered approach to lending gave him the flexible working capital he needed to grow; without the high-pressure sales tactics and steep rates of traditional lenders.

From High-Pressure Lenders to a Refreshingly Helpful Experience

When Eric Makowski started looking for working capital to support his healthcare staffing businesses, he was met with an all-too-familiar wall of high-interest, aggressive lenders. The offers he found were expensive, and the sales approaches felt overly pushy; until he came across Lendica through a simple Google search.

Unlike the “cutthroat” tone he experienced elsewhere, Lendica stood out for its approachable and informative style. His initial conversation with Chase, Director of Partnerships at Lendica, immediately shifted the tone. Rather than being sold to, Eric felt he was entering a partnership, one where questions were welcomed and the process was clearly explained.

“When I called Lendica and talked to Chase, he was easy to deal with, just like talking to another colleague who understood my situation.  He didn’t give me the hard sell, he just gave me the details of the deal and it was really helpful to have him on my team.”

Eric Makowski, President of AMS Healthcare Staffing

Fast, Flexible Working Capital for Real Business Needs

Eric’s top priorities were securing working capital quickly and with minimal hassle. The Lendica platform delivered on both fronts. Its intuitive app made it easy to access funds, and the approval process was streamlined and stress-free. What really sealed the deal, though, was the lower interest rate; substantially better than the hard money lenders he’d considered.

With two healthcare staffing companies under his leadership, Eric needed a financial tool he could rely on when opportunities, or unexpected expenses, arose. His usage of Lendica’s line of credit varies throughout the year, but it’s a core part of his capital strategy, and he anticipates leaning on it more as his businesses grow.

Powering Growth with FundNow

In the healthcare staffing world, waiting 30, 60, or even 90 days for invoice payments can tie up valuable capital; capital that’s needed to meet payroll, onboard new contracts, or invest in operations. That’s why Eric has turned to FundNow, Lendica’s invoice financing solution that lets businesses advance payment on outstanding invoices.

By using FundNow, Eric can unlock working capital that would otherwise be stuck in accounts receivable. This has helped him cover necessary expenses and reinvest into business development without the typical strains of traditional cash flow cycles. In a field where staffing demands can shift rapidly and payment timelines are often out of your control, the ability to accelerate cash flow gives Eric a strategic advantage, and peace of mind.

Speed up cash collection with FundNow

Learn how you can get paid upfront on your sales invoices.

Learn more →

A Human Touch in a Digital World of Working Capital

One of the key differentiators for Eric was the consistent, personalized support he received. Rather than bouncing between anonymous service agents or relying on chatbots, he appreciated having a single point of contact in Chase. That relationship made it easier to navigate the process, especially when timing was critical and funds needed to be expedited.

“It was the speed of getting the available funds, it was the ease of the app and it was the interest rate. The interest rate just beat everybody by a mile.”

Eric Makowski, President of AMS Healthcare Staffing

In an industry where speed and clarity matter, having a real person who could explain terms and proactively move things forward added tremendous value. 

Looking Ahead with Confidence

With Lendica, Eric has found more than just a lending solution; he’s found a long-term partner. For Eric, Lendica’s combination of technology, competitive pricing, and genuine customer care has made all the difference. As his companies continue to expand, Lendica will remain a trusted part of the journey.

If you’re an entrepreneur navigating cash flow or growth, discover how Lendica’s modern capital solutions can help you thrive.

Speed up cash collection with FundNow

Learn how you can get paid upfront on your sales invoices.

Learn more →

Delay vendor payments with PayLater

Learn how you can pay your vendors early, enjoy early-pay discounts and pay back up to 90 days later.

Learn more →
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Why a Recruiting Company Chose Lendica for Fast and Affordable Working Capital

man in a suit

Matt Stringer, CEO of California Job Shop, shares how Lendica’s modern approach to lending helped him access affordable working capital after acquiring his business, and why it stands out in a sea of outdated, high-cost financing options.

From Acquisition to Reality: Facing the Financing Gap for Working Capital

When Matt Stringer acquired California Job Shop, a recruiting firm serving healthcare, legal, and mental health clients, he stepped into a challenging financing landscape. 

“I bought this business two years ago in December 2023 that the fact that I had just acquired it meant that I couldn’t qualify for a lot of different financial stuff that was more bank financing. So I had to be kind of in the merchant cash space.”

Matt Stringer, CEO of California Job Shop

Struggling with high-interest merchant cash advances (MCAs) and limited options for newer business owners, Matt needed capital that was flexible, transparent, and trustworthy. Amid economic uncertainty and unpredictable cash flow, the stakes were high.

Why Matt Chose Lendica: Tech, Trust, and Flexibility

In a sea of lenders offering fast cash but little reassurance, Lendica stood out. What resonated most was the company’s modern, tech-enabled approach.

“Lendica feels more like a tech company that happens to do finance.” 

Matt Stringer, CEO of California Job Shop 

This wasn’t just about branding, it was about functionality. Lendica’s online portal, real-time access to capital, and clean user experience made financial management simpler. Matt especially appreciated the revolving line of credit, which allowed him to take draws as needed to cover cash flow fluctuations without locking into rigid loan terms.

Delay vendor payments with PayLater

Learn how you can pay your vendors early, enjoy early-pay discounts and pay back up to 90 days later.

Learn more →

He also noted the positive relationship with his Lendica representative, Chase (Director of Partnerships at Lendica), describing him as reasonable and supportive, a stark contrast to the transactional tone of traditional MCA providers.

Ready to Experience a Better Way to Finance Your Business?

Matt’s story underscores a reality for many entrepreneurs: acquiring a business can be a powerful path to ownership, but only if affordable working capital is available.

With Lendica, he found more than a lender. He found a tech-forward, transparent platform that understood his business, respected his goals, and provided the working capital tools to grow with confidence.

If you’re an entrepreneur navigating cash flow challenges, or early-stage growth, discover how Lendica’s modern capital solutions can help you thrive.

Delay vendor payments with PayLater

Learn how you can pay your vendors early, enjoy early-pay discounts and pay back up to 90 days later.

Learn more →

Speed up cash collection with FundNow

Learn how you can get paid upfront on your sales invoices.

Learn more →
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Article Customer story

How Packaging Companies Use Lendica to Unlock Working Capital

packaging_business

Executive Summary

Packaging companies buy materials first and get paid later. That gap squeezes cash. Lendica offers two simple working capital products to help:

  • PayLater: Lendica pays your supplier bill now. You pay Lendica back on a schedule up to 90 days (many teams use ~6 weekly payments ≈45 days).
  • FundNow: Lendica advances 70%–90% of an approved customer invoice. You repay when your customer pays (or by the agreed date).

These tools shorten the cash gap, cut rush costs, and help you say “yes” to larger or faster orders.

Common Cash Problems in Packaging

  • Payment timing: Brands and retailers often pay in 30–90 days. Suppliers want faster payment.
  • Big material buys: Paperboard, corrugate, films, inks, and plates are bought in bulk and can swing in price.
  • Project spikes: Launches and promos need tooling and labor before you see cash.
  • Expedites: When cash is tight, you buy smaller amounts and ship fast, both hurt margin.

Where Lendica helps: at the supplier bill and at the receivable.

Packaging Company Profiles

Folding Carton Converter:

Uses PayLater for sheets and inks ($50k–$140k). Often batches multiple invoices for one launch. Plans usually finish in ~30–45 days (≈3–6 weeks); up to 90 days available.

Co-Packer for Brands:

Uses FundNow to advance 70%–90% of invoices to national retailers. Typical use is ~30–45 days (≈3–6 weeks); up to 90 days available to cover payroll and components.

Corrugated & Displays Plant:

Mixes both: PayLater to pre-buy materials and FundNow on big outbound invoices for seasonal programs.

Working Capital Solutions for Packaging

PayLater (Supplier-Side)

  • What it does: Lendica pays your vendor invoice now. You repay Lendica on a schedule up to 90 days (many teams choose ~6 weekly payments ≈45 days).
  • Good for: buying early to lock allocation or price, capturing 2/10 supplier discounts, aligning material arrivals with press time.
  • Pricing: varies by credit and invoice. Lendica markets rates starting around ~1% for 30 days; examples in this doc sometimes use ~1.8% over ~45 days to show the math (illustrative, not quotes).

Delay supplier payments with PayLater

Learn how you can pay your suppliers early, enjoy early-pay discounts and pay back up to 90 days later.

Learn more →

FundNow (Receivable-Side)

  • What it does: Get 70%–90% of an approved customer invoice right away.
  • Repayment: when your customer pays, or by the agreed term (often up to 90 days).
  • Good for: covering payroll and COGS while waiting on retailers, handling back-to-back launches.
  • Pricing: varies by credit and AR quality; marketed from ~1% per 30 days. Our example below uses a ~2.5% total cost over a few weeks to illustrate the math (not a quote).

Speed up cash collection with FundNow

Learn how you can get paid upfront on your sales invoices.

Learn more →

Typical operating pattern

  • Batching: Group invoices and receivables by project or PO.
  • Deal sizes: Often $50k–$150k; smaller tickets for plates or pilot runs.
  • Cycle time: Many deals wrap in ~30–45 days (≈3–6 weeks); up to 90 days are available.

Outcomes Packaging Businesses Achieve by Using Working Capital

  • On-time production: Pre-buys reduce changeovers, idle time, and expedites.
  • Faster cash conversion cycle: Pay suppliers early (often with a discount) and pull cash forward on AR.
  • More capacity to sell: Take bigger or overlapping orders without waiting for old invoices to clear.

(Exact results vary by business, credit, customers, and suppliers.)

Simple ROI Examples (Illustrative)

A) PayLater for Substrates + Inks

  • Invoice: $100,000
  • Illustrative fee: ~1.8% over ~45 days → $1,800
  • Early-pay discount captured: 2% → $2,000
  • Net effect: +$200 before any price-increase savings.
    Plus: if pre-buying also avoids a 1.5% price hike, that’s another $1,500 kept.

B) FundNow on a Retailer Invoice

  • Receivable: $150,000 (Net-60)
  • Advance at 90%: $135,000 on day one
  • Illustrative total cost over a few weeks: ~2.5% → $3,750
  • Use of cash: keep crews and machines running for a second promo run; avoid expedites and delays.
  • Why it pencils: the cost is usually less than the margin saved and the rush fees avoided.

(These are examples to show the math, not price quotes. Actual terms depend on your business.)

When to Use Which Working Capital Product

  • Use PayLater to pre-buy materials, capture 2/10 discounts, or secure price/volume before a busy season.
  • Use FundNow to get cash against AR when customers pay slow or when you’re scaling fast.
  • Use both when a big PO needs upfront materials and you’ll wait for payment later.

Quick Working Capital Start Plan 

  1. Week 0–1: Connect AP/AR. Approve core suppliers and top customers.
  2. Week 1: Try PayLater on two POs ($60k and $85k). Aim for a 2/10 discount. Set schedules that match the job (~30–45 days, up to 90 available).
  3. Weeks 2–5: Run the launch. Use FundNow on two outbound invoices (~$120k and $150k) at 70%–90% advance to smooth payroll and buys.
  4. Week 6: Customer pays. FundNow repays. PayLater finishes. Review results and scale.

Conclusion

Invoice-tied financing is a simple lever for day-to-day cash. PayLater helps you buy what you need now and repay up to 90 days later (many teams use ~6 weekly payments ≈45 days). FundNow turns approved invoices into 70%–90% cash today. Used together, they shorten your cash conversion cycle by weeks, protect margin with early-pay and pre-buys, and free up capacity to take bigger or faster orders, without waiting for customers to pay.

Accelerate growth with working capital

Learn how Lendica’s packaging industry solutions can help you manage your cash flow.

Learn more →