https://www.youtube.com/watch?v=mT43r41dMB0
Accelerating construction project cash flow
with embedded financing
CLIENT OVERVIEW
A national brand construction project management SaaS platform needed to expand its core offering. Identifying convenient access to working capital as an industry challenge, the SaaS company chose to integrate an embedded financing option in its software. The purpose was to help construction businesses quickly access capital to cover upfront project costs without relying on the slow, rigid processes of traditional lenders. These funds would support faster project starts, smoother cash flow management, and stronger relationships with suppliers and subcontractors.
THE CHALLENGE
While the platform was gaining traction and users were managing more complex builds through the system, many contractors faced persistent cash flow challenges. Long payment terms from developers and public sector clients, combined with the need to front expenses for labor and supplies, created a funding gap that limited project velocity. Traditional bank loans were often too slow or rigid for the fast-moving demands of the construction industry. The platform needed a seamless way for users to access financing, aligned with project timelines, within the project workflow.
THE SOLUTION
The platform partnered with eCapital to offer embedded lending through API integration. Contractors using the platform could now access working capital based on contract values, draw schedules, and invoicing activity without leaving the system. With just a few clicks, users could apply for funding, receive pre-qualified financing, and unlock capital to move projects forward. The process was fully digital, fast, and designed to match the cash flow cadence of construction work.
EXPECTED RESULTS
Having eCapital’s financing embedded into the construction management platform, contractors would gain timely access to cash flow, allowing them to keep projects on schedule, avoid delays, and take on new opportunities. This financing feature would increase the platform’s use value, resulting in expanded daily usage and client retention, while unlocking a new revenue stream without taking on the risk of direct lending. The integration would position the software as not just a management tool but a financial catalyst for growth in the construction sector.
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