{"id":28741,"date":"2025-06-18T12:00:12","date_gmt":"2025-06-18T16:00:12","guid":{"rendered":"https:\/\/stage.buildxact.com\/us\/?p=28741"},"modified":"2025-12-16T20:37:42","modified_gmt":"2025-12-17T01:37:42","slug":"working-capital","status":"publish","type":"post","link":"https:\/\/stage.buildxact.com\/us\/blog\/working-capital\/","title":{"rendered":"Working Capital Builds Financial Resilience for Small Builders"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"28741\" class=\"elementor elementor-28741\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-feaaf28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"feaaf28\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-088c76d\" data-id=\"088c76d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ebc0afd elementor-widget elementor-widget-text-editor\" data-id=\"ebc0afd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For many small builders, remodelers, and contractors, success isn&#8217;t solely about landing jobs. It&#8217;s about managing the lag between ordering materials, sending customer invoices, and receiving payments. That&#8217;s where working capital makes or breaks the business.<\/p><p>Working capital\u2014the cash you available to cover short-term expenses\u2014keeps the lights on, the trucks fueled, and your crew paid. In today&#8217;s economy, with high interest rates and rising costs, managing working capital isn&#8217;t just smart\u2014it&#8217;s essential. When you fail to monitor cash flow closely, even profitable jobs drain resources and hinder growth.<\/p><p>According to a Built study published in <a href=\"https:\/\/www.morningstar.com\/news\/business-wire\/20250521182315\/constructions-cash-crunch-70-of-contractors-say-payment-delays-threaten-industry?utm_source=chatgpt.com\">Morningstar<\/a>, in May 2025, 70% of contractors report that payment delays are the top threat to their business, surpassing concerns about labor shortages, tariffs or inflation. Delays result in hidden construction costs, project cancellations and various other expenses.<\/p><p>In this blog, let\u2019s explore why working capital is crucial, its daily impact on your business, and what can be done to strengthen it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-754f18f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"754f18f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-01a1bd2\" data-id=\"01a1bd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-495c191 elementor-widget elementor-widget-image\" data-id=\"495c191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/cdn.mediavalet.com\/usca\/buildxact\/UYugJEkzAEmv2PNoFVR2lw\/dfdKzsr4eU26WtsmXJit-A\/Large\/HRV00699-etd.jpeg\" title=\"\" alt=\"A builder manages his team schedule from the job site using Buildxact running on his mobile device\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea80010 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea80010\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fb78af7\" data-id=\"fb78af7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7009fec elementor-widget elementor-widget-template\" data-id=\"7009fec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"20213\" class=\"elementor elementor-20213\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f0e4716 blog-cta-button elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f0e4716\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1db2718e\" data-id=\"1db2718e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-482596f9 elementor-widget__width-initial elementor-widget-laptop__width-initial elementor-hidden-tablet elementor-hidden-mobile elementor-align-center elementor-widget elementor-widget-elementskit-button\" data-id=\"482596f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.buildxact.com\/us\/schedule-a-demo\/%20\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tBook a Demo\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-537ef22f elementor-widget__width-initial elementor-widget-laptop__width-auto elementor-align-left elementor-hidden-mobile elementor-widget elementor-widget-elementskit-button\" data-id=\"537ef22f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/app.buildxact.com\/us\/signup2.html\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tGet Started for Free\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-511eda8 elementor-widget__width-initial elementor-widget-laptop__width-auto elementor-align-left elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet elementor-widget elementor-widget-elementskit-button\" data-id=\"511eda8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/app.buildxact.com\/us\/go-signup.html\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tGet Started for Free\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ede98d8 elementor-widget elementor-widget-spacer\" data-id=\"6ede98d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-616582d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"616582d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b18e43f\" data-id=\"b18e43f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0db60ed elementor-widget elementor-widget-text-editor\" data-id=\"0db60ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>The Real Impact of Working Capital on Small Builders<\/strong><\/h2><p>When you have a healthy cushion of working capital, everything flows more smoothly. You can say &#8216;yes&#8217; to the next job with confidence, order materials in bulk to save money, and avoid juggling multiple debts to meet payroll.<\/p><p>When working capital runs thin, as a small builder, you face real consequences, even if the business looks profitable on paper.<\/p><p>And yet, appearances can be deceiving. As Dave Yoho, a respected voice in the remodeling industry, explains: \u201cMany companies appear to operate at a profitable level yet have not increased their level of working capital to accommodate growth.\u201d<\/p><p>Some potential consequences are:<\/p><ul><li><u>Project Delays<\/u>: If you can&#8217;t pay suppliers on time, materials don&#8217;t arrive, and deadlines slip. According to a <a href=\"https:\/\/getbuilt.com\/blog\/70-percent-of-contractors-say-payment-delays-threaten-industry\/\">Built<\/a> study, more than a third of small builders have experienced project delays or cancellations due to financing issues.<\/li><li><u>Lost Opportunities<\/u>: You might have to turn down a profitable job simply because you can&#8217;t find the upfront costs that get a job started.<\/li><li><u>Strained Relationships<\/u>: Late payments can harm relationships with your subcontractors, suppliers and crew.<\/li><li><u>Mental Load<\/u>: Financial uncertainty is stressful, and you&#8217;ll likely spend more time chasing payments than managing your projects.<\/li><\/ul><p>Consider ways to enhance your working capital to operate your business more efficiently during economic uncertainty. This approach will help you maintain liquidity while also seeking growth opportunities<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e01cb32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e01cb32\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3468d93\" data-id=\"3468d93\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1e59a7 elementor-blockquote--skin-border elementor-widget elementor-widget-blockquote\" data-id=\"b1e59a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\tCash flow is the No. 1 challenge facing subcontractors\u2014bigger than profit.\"\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\"> Construction Dive, April 2025<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06d253c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06d253c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-feab6a7\" data-id=\"feab6a7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1042a73 elementor-widget elementor-widget-text-editor\" data-id=\"1042a73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>Common Challenges in Managing Working Capital<\/strong><\/h2><p>Even for experienced builders, managing working capital isn&#8217;t always straightforward. A few <a href=\"https:\/\/www.qualifiedremodeler.com\/yoho-cash-flow-is-the-key-to-thriving-in-this-changing-economy\/\">recurring challenges<\/a> can quietly drain cash flow and catch small teams off guard.<\/p><ol><li style=\"list-style-type: none;\"><ol><li><u>Delayed Payments<\/u><\/li><\/ol><\/li><\/ol><p>Delayed payments are one of the biggest threats to small builders. Of the 70% of contractors who face payment delays, 10% last over 30 days or more past their invoice date; that lag creates a cash gap, forcing builders to dip into reserves, use credit, or delay paying their vendors.<\/p><ol><li style=\"list-style-type: none;\"><ol start=\"2\"><li><u>Inventory Management<\/u><\/li><\/ol><\/li><\/ol><p>Buying in bulk can save money, but overstocking ties up cash you may need elsewhere. On the other hand, under-ordering can stall projects and erode client trust.<\/p><p>Finding the balance is tricky, especially when suppliers are dealing with their delays. Use software to closely track usage and <a href=\"https:\/\/www.buildxact.com\/us\/features\/construction-scheduling-software\/\">utilize job management tools<\/a> to prevent overordering while maintaining sufficient material on hand to remain efficient.<\/p><ol><li style=\"list-style-type: none;\"><ol start=\"3\"><li><u>Project Overruns<\/u><\/li><\/ol><\/li><\/ol><p>Unexpected site conditions, change orders, subcontractor delays, and project overruns are common, and they&#8217;re expensive.<\/p><p>Even if the job is profitable overall, unbudgeted costs in the early phases can quickly erode working capital. Without a buffer, you may need to slow down work, push out payments, or borrow to get across the finish line. And when one job gets out of sync, it often throws off your next one, too.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a482f17 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a482f17\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a3471ad\" data-id=\"a3471ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39c2de7 elementor-widget elementor-widget-template\" data-id=\"39c2de7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"20213\" class=\"elementor elementor-20213\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f0e4716 blog-cta-button elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f0e4716\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1db2718e\" data-id=\"1db2718e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-482596f9 elementor-widget__width-initial elementor-widget-laptop__width-initial elementor-hidden-tablet elementor-hidden-mobile elementor-align-center elementor-widget elementor-widget-elementskit-button\" data-id=\"482596f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.buildxact.com\/us\/schedule-a-demo\/%20\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tBook a Demo\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-537ef22f elementor-widget__width-initial elementor-widget-laptop__width-auto elementor-align-left elementor-hidden-mobile elementor-widget elementor-widget-elementskit-button\" data-id=\"537ef22f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/app.buildxact.com\/us\/signup2.html\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tGet Started for Free\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-511eda8 elementor-widget__width-initial elementor-widget-laptop__width-auto elementor-align-left elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet elementor-widget elementor-widget-elementskit-button\" data-id=\"511eda8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/app.buildxact.com\/us\/go-signup.html\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tGet Started for Free\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ede98d8 elementor-widget elementor-widget-spacer\" data-id=\"6ede98d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8a40567 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8a40567\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a6b2716\" data-id=\"a6b2716\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a778f76 elementor-widget elementor-widget-text-editor\" data-id=\"a778f76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>The Importance of Cash Flow Planning<\/strong><\/h2><p>Cash flow planning provides small builders a way to get ahead. It involves forecasting how much cash is coming in and going out over a specified period for your business, such as week by week, month by month, or project by project.\u00a0 For small builders, it can mean the difference between avoiding last-minute scrambles, strategically timing payments, and being prepared to make informed decisions on new work.<\/p><p>\u201cA lack of cash flow can create immense problems,\u201d noted Yoho.<\/p><p>Cash flow is to finances what a schedule is to job site harmony. Instead of waiting until money gets tight, you\u2019re proactively planning and making necessary adjustments before cash flow becomes a crunch.<\/p><p>Tools such as Buildxact simplify the process by giving builders a clear, real-time view of where the money\u2019s going\u2014and what\u2019s coming in by <a href=\"https:\/\/www.buildxact.com\/us\/features\/construction-accounting-software\/\">connecting project activity and invoices<\/a> to popular accounting software like Xero or<\/p><h2><strong>Strategies for Managing Working Capital <\/strong><\/h2><p>A recent study by Built, cited in <a href=\"https:\/\/www.constructiondive.com\/news\/subcontractors-cash-flow-profit-payment\/746232\/\">Construction Dive<\/a>, reveals that 65% of subcontractors are more concerned about cash flow than profit. If you&#8217;re a small builder, this hits home. Here are steps you can take to regain control:<\/p><ol><li style=\"list-style-type: none;\"><ol><li><u>Forecast with Precision<\/u> \u2014 Utilize job management software, such as Buildxact, to outline upcoming expenses and expected income. Taking a forward-looking perspective allows you to prepare for potential shortfalls before they occur.<\/li><li><u>Invoice Promptly and Follow Up<\/u> \u2014 Don&#8217;t hesitate to send that invoice. Buildxact will trigger reminders, automate emails, and keep the money flowing.<\/li><li><u>Negotiate Supplier Terms <\/u>\u2014 You might be able to secure 30- or 60-day payment terms from suppliers. This extra breathing room can make a significant difference.<\/li><li><u>Cut What You Don&#8217;t Need <\/u>\u2014 Regularly review subscriptions, tool leases, and job site rentals. Eliminate what isn&#8217;t adding value.<\/li><\/ol><\/li><\/ol><p>With a few smart moves, you can begin planning for growth instead of merely reacting to cash flow problems.<\/p><h2><strong>Building a Solid Financial Foundation<\/strong><\/h2><p>Working capital isn&#8217;t just an accounting metric\u2014it&#8217;s what gives small builders like you room to breathe, grow, and weather the unexpected. When it&#8217;s managed well, you can take on new jobs with confidence, pay your team on time, and invest in the future of your business without losing sleep over cash flow gaps.<\/p><p>However, when it&#8217;s tight\u2014or worse, ignored\u2014it adds stress to every decision you make, both on and off the jobsite.<\/p><p>The good news? <a href=\"https:\/\/www.buildxact.com\/us\/features\/builder-remodeler\/dealer-connection\/\">Builders don&#8217;t have to go it alone<\/a>. With thoughtful planning, the right tools, and a proactive mindset, managing working capital becomes part of building a more resilient business.<\/p><p><strong><u>Start with visibility.<\/u><\/strong> Use software like Buildxact to track job costs, invoice faster, and get a real-time handle on your cash position.<\/p><p><strong><u>Focus on flow.<\/u><\/strong> It&#8217;s not just about making a profit\u2014it&#8217;s about getting paid on time and knowing where your money is going.<\/p><p>In today&#8217;s economy, working capital is more than a number. It&#8217;s your margin of safety\u2014and your springboard to growth.<\/p><h2>Learn More with Buildxact<\/h2><div>Buildxact helps build consistent working capital when you estimate accurately using the latest material and labor pricing. Start today with a <a href=\"https:\/\/app.buildxact.com\/us\/signup2.html\">free trial<\/a> or <a href=\"https:\/\/www.buildxact.com\/us\/schedule-a-demo\/\">demo<\/a>. Just follow the links and we can show you how easy professional construction management can be!<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ec7d57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ec7d57\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c30d6de\" data-id=\"c30d6de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a55102d elementor-widget elementor-widget-heading\" data-id=\"a55102d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Understanding Working Capital<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-753f6cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"753f6cb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6566578\" data-id=\"6566578\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e33eb4a elementor-widget elementor-widget-text-editor\" data-id=\"e33eb4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Working capital is the cash available to keep your business running day to day. It&#8217;s what&#8217;s left when you subtract what you owe (like supplier invoices and payroll) from what you own (like cash in the bank and unpaid customer invoices).<\/p><p><strong>Working Capital = Current Assets \u2013 Current Liabilities<\/strong><\/p><p>For builders and remodelers, it&#8217;s the buffer that pays your crew, orders materials and keeps you on track between jobs. Because you often pay upfront for labor and supplies, managing working capital effectively is critical, especially since customer invoice and payment come long after incurring projecet expenses.<\/p><p><b><u>Example<\/u>:<\/b><\/p><p>Say you&#8217;re working on a kitchen renovation. You order $15,000 in cabinets, pay subcontractors weekly, and don&#8217;t see a cent from the homeowner until the job is 80% complete. If you don&#8217;t have enough working capital to float those upfront costs, the project could stall despite the overall profit you estimated.<\/p><p>When working capital is strong, you&#8217;ve got options and peace of mind. When it&#8217;s tight, one delayed payment can throw your whole schedule\u2014and stress level\u2014off balance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Often overlooked: the cash flow from working capital keeps even profitable jobs running smoothly. <\/p>\n<div style=\"display:none;\" class=\"postcatlist\"><a href='https:\/\/stage.buildxact.com\/us\/tag\/industry-insights\/'><span>Industry insights<\/span><\/a> <a href='https:\/\/stage.buildxact.com\/us\/tag\/project-management\/'><span>Project management<\/span><\/a><\/div>\n","protected":false},"author":11,"featured_media":22075,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[139,95],"contributing_author":[],"class_list":["post-28741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-industry-insights","tag-project-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Working Capital Builds Financial Resilience | Buildxact US<\/title>\n<meta name=\"description\" content=\"Read how working capital keeps the lights on, the trucks fueled and your crew paid. 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