The Millionaire Contractor Coach™

Saturday Newsletter

November 22, 2025

Read on my website ⏱️ Read Time: 2 minutes 35 seconds

The $1M Funding You're Not Getting (and Why)

Last week’s webinar, From Builder to CEO, opened eyes.

But it also revealed something troubling.

Almost every contractor I work with is under-capitalized by at least $500K-$1M.

Most don't even know it because they invest almost 100% of the profits back into the business to fund growth.

THE BRUTAL TRUTH

When you invest all your profits back into the business, you likely end up being the least and the last to get paid. Of course, I believe in investing some profits back into the business, but after a few years, you end up having a job, and not a business that pays you like a CEO.

Here's what I hear every day and we addressed it in the "From Builder to CEO" webinar:

"My bank keeps asking for more paperwork"

"They want a 3-year forecast but I don't know how to create one"

"I've been denied twice for working capital"

"My financials are a mess"

Sound familiar?

THE MILLION DOLLAR PROBLEM

Here's the deeper issue:

It takes working capital to fuel growth, and I don’t mean just a line of credit to keep up with payroll. I’m talking about a fixed amount of money over 3-5 years to keep you flush as you take on more work.

You can't fix what banks won't fund.

For example, I have a $10M contractor client with a great backlog. They have 2x the amount in A/R than a company of their size should. Therefore, the owners sacrifice their own compensation and act like a “bank” for the company. Their line of credit helps them with the weekly cash flow needs (i.e., payroll and vendors), but they are undercapitalized by over $1M. What happens when they land that next $1M contract? The problem only gets worse, and the cash gets tighter.

Why?

Because they bootstrapped their business from day one and never caught up. It’s a common problem I see every day and nothing to be ashamed of. However, there is a way to fix it, and it’s easy.

However, no solution matters if you can't access capital when you need it.

WHAT BANKS REALLY WANT

During the webinar, I mentioned my "Bank Ready in 30 Days, Capital in 60" system.

We didn’t have time to go into depth, but since it was a paid webinar, I gave them my “Bank Ready in 30 Days, Capital in 60 Days” template for free. In it I describe…

Here's why banks say NO to contractors:

→ Your financials tell no story

→ Your forecasts look like guesswork

→ Your loan package is scattered across 47 different files

→ You can't explain your business model in banker language

→ Your data room is actually a disaster room

THE 30-DAY SOLUTION

What if I told you that you could create a bank-winning financial package before Christmas?

Using your existing accounting data.

Your historical numbers.

No fancy software.

No expensive consultants.

Just my exact step-by-step system that helps contractors secure the capital they need to fund growth.

REAL RESULTS

"Got approved for $500K credit line after being denied 3 times. Your system works." – Anthony, Electrical Contractor

"You helped us secure a $750K line of credit, and now we are looking to increase it to $2M.” – Ray, Flooring Contractor.

HERE'S EXACTLY WHAT YOU GET

The complete "Bank Ready in 30 Days, Capital in 60" system:

✓ Step-by-step walk through of my exact Bank-Ready Strategy

✓ 4-week implementation guide to keep you on pace

✓ How to present your winning financial package to banks

✓ 15-minute Budget & 3-year Forecast system using your existing data

✓ The "Business Story" framework that makes banks say YES

✓ Complete data room assembly process for multiple bank submissions

THE CONTRACTOR'S DILEMMA

• You know you need working capital.

• You know your margins could be better.

• You know cash flow is strangling growth.

• But you keep getting denied because your financials look like every other contractor's mess.

• Banks don't lend to messes.

• They lend to systems.

THE $500K DIFFERENCE

Remember that $500K working capital gap I mentioned?

Here's the math:

Without proper capital access: You stay trapped in the feast-or-famine cycle

With my bank-ready system: You get funding that fuels growth

The difference between funded contractors and unfunded contractors?

Funded contractors make millions.

Unfunded contractors make excuses.

SPECIAL WEBINAR PRICE

Normally, contractors pay me $2,500 just for the financial package consultation.

But because the template was included in the paid webinar ($379), you get the entire "Bank Ready in 30 Days, Capital in 60" system for just $29.

$29 for the same system that's secured millions in contractor capital.

$29 for what banks actually want to see.

$29 for the competitive advantage 90% of contractors don't have.

But only until December 1st.

After that, this goes back into my high-ticket program where it belongs.

THE CHOICE

You can keep getting denied.

Keep scrambling for cash.

Keep watching opportunities slip away because you can't access capital.

Or you can get bank-ready in 30 days.

Your choice.

But choose fast.

This offer expires December 1st at midnight.

[GET BANK READY FOR $29 - WEBINAR SPECIAL]

The contractors who get funded get ahead.

The ones who don't get left behind.

Which one will you be?

Talk soon,

Patrick Shurney, MBA | The Millionaire Contractor Coach™

Helping Contractors Become Bankable, Bondable, & Capital-Ready

P.S. – I can’t guarantee you funding, but I can guarantee you that you’ll put your best foot forward to get the best rates and terms in the market.

_____________

About Me:

As a veteran in financial coaching with over 30 years of corporate banking experience, my mission is to help you become a Millionaire Contractor by mastering just 7 numbers so you can keep more of what you earn and build generational wealth.

Ready for More?

Here’s how I can help you:

1. Profit Blueprint Program: Get your finances sorted and build out a 3-year financial roadmap in the next 30 days.

2. Loan Consulting: Get Bank Ready. With 30+ years of banking experience, I’ll make sure you're ready to approach lenders with a winning loan package.