What You Get
What's Inside the Playbook
Why contractor financing is different - project-based revenue, tight margins, long receivables, seasonal swings
Scenario 1: Buying a $95K excavator - equipment financing vs working capital with Section 179 math
Scenario 2: Bridging a $180K net-60 receivable - invoice factoring saves 40-70% over working capital
Scenario 3: Scaling for a $500K contract - split funding strategy for labor + equipment
Scenario 4: Emergency $8,500 truck repair - same-day funding + why a LOC would cost 90% less
Insurance requirements, quick reference table, and contractor-specific tips
Is This For You?
Who This Playbook Is For
General contractors managing equipment purchases, crew scaling, and receivable gaps across multiple projects
Specialty subcontractors - electrical, plumbing, HVAC, framing, concrete - bridging the gap between job completion and payment
Contractors buying equipment who want to understand why equipment financing saves $15K-$30K over working capital
Any construction business owner who wants a clear framework for matching each funding need to the cheapest available product
Preview
Equipment Financing vs Working Capital
One of the most expensive mistakes we see contractors make: using working capital to buy equipment. Here's what the numbers look like on a $95,000 excavator:
| Equipment Financing | Working Capital | |
|---|---|---|
| Total Cost | $23,260 | $28,500 |
| Section 179 Savings | ~$23,750 | None |
| Effective Net Cost | ~$0 | $28,500 |
| Monthly Payment | $1,971 | $10,292 |
The difference: $28,500. Equipment financing costs near zero after Section 179. Working capital costs $28,500 with no tax benefit. The full playbook covers three more scenarios like this.
Get the Full Playbook Free
4 real scenarios, Section 179 strategies, insurance requirements, and a quick reference table - all in a printable PDF.
Related Tools
Contractor Tools
FAQ