# Working Capital Financing for Building Materials

**Capital for Inventory, Supply & Construction Demand.**

Building materials manufacturers and distributors often maintain substantial inventory while supplying projects with varying delivery schedules and payment terms.

We provide working capital financing solutions designed to support inventory purchases, customer orders, and ongoing commercial supply operations.

## Financing That Supports the Construction Supply Cycle

Building materials businesses may purchase or manufacture products before construction projects are ready to receive them.

Changes in project timelines, seasonal demand, and contractor payment schedules can create working capital requirements that continue even after materials have been delivered.

Companies supplying lumber, concrete products, roofing, flooring, and other construction materials may also need to maintain significant inventory availability.

We structure financing against eligible trade receivables and saleable inventory, considering the characteristics of the materials and the underlying commercial transactions.

## Supporting Building Materials Businesses

- **Inventory Procurement.** Finance qualifying materials held for sale to contractors, distributors, and other commercial customers.
- **Seasonal & Project Demand.** Support changes in purchasing requirements associated with construction activity and project schedules.
- **Contractor & Customer Receivables.** Access capital against eligible invoices for completed and documented deliveries.

## Financing Options for Building Materials Companies

- [Asset-Based Lending](https://www.gobacapital.com/solutions/asset-based-lending/): Revolving facilities supported by eligible trade receivables and qualifying inventory.
- [Receivables Financing](https://www.gobacapital.com/solutions/receivables-financing/): Access working capital against eligible commercial invoices after delivery and acceptance.

## Built Around the Materials and the Transaction

Building materials financing involves considerations such as inventory location, storage costs, delivery documentation, and payment arrangements.

For project-related receivables, retainage, disputes, and applicable construction lien rights may affect the financing structure. We consider these details alongside the company's working capital requirements and available assets.

## Capital to Keep Your Business Moving.

Explore working capital financing solutions for building materials manufacturing and distribution.