Case Study: How an Ohio HVAC Contractor Mobilized for a $1.2M Build
Case Study: Ohio HVAC Contractor Mobilization Funding
Contractors frequently face a cash flow gap called the "draw gap." You win a major bid, but you must supply raw materials and pay weekly crew wages for 30 to 60 days before your first contract draw is approved and paid. This case study details how an Ohio HVAC contractor bridged that gap.
What is construction mobilization funding?
Construction mobilization funding is a specialized business advance that provides general contractors and subcontractors with upfront working capital to purchase raw materials, transport heavy machinery, and pay crew labor before their first project invoice draws are paid by clients.
"A contractor's balance sheet can look fantastic on paper, but if they have $150,000 in upfront supply costs before their first project invoice is paid, their operations freeze. Mobilization funding unlocks that cash instantly so they can begin work on time." — Richard McKellar, Founder of MyCommercialFunding
Head-to-Head Comparison: Mobilization Advance vs. Bank Credit Line
The contractor analyzed options to cover their mobilization costs:
| Factor | Mobilization Funding (via MCF) | Traditional Bank Line of Credit |
|---|---|---|
| Time to Capital | 24 to 48 Hours | 4 to 12 Weeks |
| Credit Requirement | 500+ FICO OK | 680+ FICO Required |
| Project Contract Value | Underwritten directly | Rarely considered by bank |
| Collateral | No Real Estate Liens | UCC-1 Lien on All Assets |
| Repayment Terms | Flexible % of weekly bank deposits | Fixed monthly payment |
The HVAC Contractor Funding Blueprint
The HVAC company needed to purchase $85,000 in ductwork and commercial compressors, plus secure $35,000 for initial payroll.
Here is the exact mobilization deal structured for them:
- Total Funding Deployed: $120,000 wired in 24 hours from document submission.
- Underwriting Basis: Approved using 4 months of business bank statements showing average deposits of $95,000/month, plus their signed municipal contract award letter.
- Factor Rate: 1.35× multiplier.
- Total Repayment: $162,000 fixed payback amount.
- Remittance Structure: 12% of weekly business bank deposits.
- Timeline: Fully repaid in 10 months as project draws cleared.
If your subcontracting or contracting firm needs project mobilization capital, visit our construction funding page. If you have less-than-perfect credit, read our Bad Credit Funding Guide.
Bridge Your Next Construction Draw Gap
Do not let mobilization delays risk your contract compliance. Secure working capital for raw materials and crew labor today. Get your construction quote now.
Related Posts
- Understanding the Construction Draw Gap — Why contractors need capital mobilization
- How to Qualify for a Merchant Cash Advance in 2026 — The eligibility checklist
- The 2026 Guide to Bad Credit Business Funding — Low credit options