From the waterfront at Canalside to the medical campus and the old warehouses of Larkinville, Buffalo is a city of rebuilding. The contractors doing it wait to be paid.
Apply Now →Buffalo is the second most populous city in New York, with 278,349 residents at the 2020 census, and the seat of Erie County. It was once the world's largest grain port and a steel city, and it has been repurposing the buildings left from those eras. The 2002 redevelopment of the Larkin Terminal Warehouse led to Larkinville. Downtown added more than a thousand housing units between 2010 and 2017, and the Seneca One Tower was redeveloped in 2020. The waterfront at Canalside has been converted from a former industrial area to a recreational one. The 120-acre Buffalo Niagara Medical Campus anchors a large hospital and research cluster north of downtown.
| Type | What the contractor does first | When money arrives |
|---|---|---|
| Adaptive reuse of older buildings | Demolition, structural and systems work | After each milestone is certified |
| Healthcare and institutional | Specialized installs on tight schedules | After pay application review |
| Mixed-use and housing | Trades in sequence over many months | Monthly draws, less retainage |
| Waterfront and public space | Site, utilities and finish work | After approval and certification |
In every row, payroll and materials run ahead of draws.
On a multi-trade job, the owner pays the general contractor, who pays the subs. Each handoff can add days. A specialty sub, such as an electrician, plumber, HVAC installer or finish carpenter, may be finished and waiting while the pay application moves up the chain. Meanwhile their crews are paid weekly.
For illustration only, not our terms or a typical outcome. A mechanical sub with six employees and $40,000 a month in payroll and materials is waiting on $90,000 of approved work. If payment is sixty days out, the sub is carrying roughly $80,000 in costs, which is more than most operating accounts hold.
Buffalo's winters also pause some exterior work, so consider the seasonal gap too. This page does not promise funding for any specific trade. Funding runs from $25,000 to $5,000,000, funds can arrive in as little as 24 hours, and FICO 500+ is considered. We ask for about three months of business bank statements, no tax returns, and the application takes about five minutes with a soft credit pull. Sole proprietors can apply.
Contractors can speed things up by gathering about three months of business bank statements, a recent pay application or invoice list, and any signed contract tied to the work. The statements show how money has moved through the business, and the contract shows what is coming. Tax returns are not required. If you are a sole proprietor working under your own name, you can still apply. Applying takes about five minutes with a soft credit pull, and FICO 500+ is considered, so a bumpy credit history does not rule out a conversation.
Yes. Bring pay application details and about three months of bank statements.
Treat it as earned but unavailable, and do not count it as working cash.
Sole proprietors can apply.
No.
In as little as 24 hours.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
