Growing Pains: How Trade Contractors Can Fund Their Future

🚧 Attention Contractors: Most of my subscribers are trade contractors. Over the next few weeks I'm devoting my Saturday Newsletters to you.

If you're a trade contractor, you’ve likely faced this scenario:

You start your business self-funded, using your personal savings and a ton of grit. As things pick up, you get busier, take on bigger jobs, and grow your revenue. Sounds great, right? But here’s the catch—growth eats cash.

Here’s what that looks like:

• You’re waiting 60-90 days (or longer) to collect payments from clients, or GC's.

• Retainage is eating away your already thin profit margins.

• Meanwhile, you’re paying weekly payroll, covering overhead like rent and utilities, and making equipment loan payments.

• Credit cards, trade credit, and personal resources are maxed out just to keep up.

• Despite higher revenues, there’s little to nothing left for you, the owner—and what is left gets reinvested into the business to keep things running.

So, you do what most contractors do: take on even more work, hoping to “grow your way” out of the problem. But here’s the harsh truth: without enough cash, growth only tightens the chokehold. The stress, the long hours, and the strain on your health and family relationships? They’re just the side effects of a bigger issue: you’re underfunded.

The solution: Fast-growing contractors need working capital—cash to grow sustainably. This isn’t a luxury; it’s a necessity. Bankers call it a working capital loan. I call it a lifeline.

If your problem isn’t getting clients or completing the work, but cash flow issues are holding you back, let’s talk. I can easily diagnose cash flow problems and help you chart a course to better profitability. I work with banks and lenders across the country who specialize in helping businesses like yours thrive. If you are not "bank ready" don't worry. I specialize in helping you get your finances sorted so you can make 2025 your best year yet.

Let’s make sure your growth works for you—not against you.

📩 Reach out if you're ready to talk and have a great weekend!

Patrick Shurney, MBA
Founder, 3P Consulting
📞 443.539.6276
🌐 www.3pcllc.com

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About Me:

As a veteran in financial coaching with over 30 years of corporate banking experience, my mission is to empower small business owners like you to become numbers confident, optimize cash flow, leverage debt, and pay yourself competitively.

Ready for More?

Here’s how I can help you:

1.     Profit Accelerator Program: Master your business numbers in just 30 days, uncovering hidden profits of $25K-$75K+ over the next 3-12 months.

2.     Loan Consulting: Need the best rates and terms on your next loan? With 30+ years of banking experience, I’ll make sure you get a deal that works for you.

3.    Profit Accelerator Digital Course: Become confident with your numbers, boost cash flow, and learn to pay yourself first in just two hours. This course is designed for busy professionals who want immediate results. ($197)

Ready to take your financial strategy to the next level? Let’s connect and make sure you’re running a thriving business while paying yourself what you’re worth.