GC, 14 employees · Phoenix, AZ · 9 months
Phoenix Construction Firm Stacked $225K Across LOC and Equipment Lease
$125K bank LOC + $100K equipment lease structured as the complete funding stack for a growing GC.
Total funding
$0$225,000
Challenge
Active project pipeline required working capital and new equipment, but the owner wanted to avoid MCAs.
Approach
- 01Bank LOC application after PAYDEX 80 + Intelliscore 75 achieved.
- 02Equipment lease through a manufacturer-affiliated financier 60 days later.
- 03Sequenced applications to avoid overlapping inquiries.
Outcome
Combined $225K stack at blended ~9.8% cost of capital. Two new active projects launched in the following quarter.
FAQs
Should businesses apply to multiple lenders at once?
Usually no — concurrent inquiries can trigger stacking concerns. CloudsCreditRepair™ sequences applications to optimize approvals.
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