Multi-layered Project Financing Solution

A growing construction company had recently secured a multi-million-dollar contract—a huge opportunity, but also a potential cashflow crisis waiting to happen. To secure the job, they needed to put down a $500,000 cash bond, plus cover other upfront project expenses. Meanwhile, their bank statements showed inconsistent balances, which made traditional lenders hesitant. Worse, they had other ongoing projects that also required capital, making it nearly impossible to lock away that much cash. Without a smart funding solution, they risked jeopardising not only this contract, but their entire project pipeline.

B.Smart structured a multi-layered project financing package built for both flexibility and speed. We secured a $1.2M receivables finance facility, a $300K term loan, and a $100K revolving credit line—providing the company with the right balance of immediate capital and financial breathing room. We aligned them with a lender who understands the unique dynamics of the construction industry, enabling faster approvals and minimising unnecessary back-and-forth. From application to disbursement, we managed the entire process—allowing their team to stay focused on executing the project instead of chasing financing.

• Secured $1.6M in total funding across multiple facilities
• Project was launched with no disruption to cashflow for other jobs
• Smooth execution ensured future contract opportunities from the same client
• B.Smart managed the entire funding process from start to finish