A well-established contractor, with over 14 years of experience servicing some of the largest energy companies in the Southwest U.S., faced an urgent cash flow dilemma. Despite a strong pipeline of secured projects, the contractor lacked the short-term liquidity needed to cover rising upfront costs and bridge a prolonged accounts receivable (AR) cycle. With just four business days to solve the issue, or risk jeopardizing key contracts, they turned to Fora Financial for a fast and reliable funding solution.
Vision
The contractor's vision was to capitalize on a surge in demand and cement its position as a top-tier partner in the industrial and hydroelectric construction space. With a new partnership underway and expansion into a new market, securing short-term working capital would allow them to meet payroll, fund materials, and execute new contracts, without sacrificing momentum or financial stability.
Opportunity
With several large contracts secured, the contractor had a prime opportunity to scale operations, expand market share, and increase revenue during peak season. Fast access to capital would ensure they could meet demand and execute projects without delay.
Challenge
Urgent Timeline
Only 4 business days to secure $1.5M before project start dates.
AR Delay
Existing receivables were delayed 90–120 days, limiting working capital.
Growth at Risk
Without fast funding, they risked losing out on new high-value contracts.
Bank Delays
While a bank term sheet was in place, delays in execution meant it wouldn't arrive in time.
How Fora Financial Helped
Fora Financial responded immediately, delivering a confirmed offer in less than 48 hours and funding the full $1.5M in just four days. The capital provided the contractor with the flexibility to cover engineering payables, labor, and other startup costs. Fora's funding structure included aggressive prepayment discounts, ensuring the business could save significantly once their AR cleared and their long-term bank financing took over.
Results
Funded on Time
The business secured capital before the contract deadlines, avoiding disruption.
AR Gap Solved
The short-term cash flow strain was eliminated, preserving operational strength.
Sustained Growth
By executing on all new contracts, the company remains on track to surpass $100M in revenue for the year.
Preserved Banking Relationship
Fora Financial's junior position enabled the business to retain their existing senior lender partnership.
Conclusion
Fora Financial delivered more than capital, they delivered confidence. By bridging the gap between AR and project timelines, Fora Financial empowered the contractor to pursue aggressive growth without compromise. The result: a financially stable business poised to scale operations across a critical industry.
Why Fora Financial
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Speed
Capital approved and funded in just four days.
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Prepayment Discounts
Strategic repayment options minimized total cost of capital.
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Collaborative Approach
Fora worked in harmony with the business's senior lender, keeping the long-term plan intact.