Business Inputs
Annual Revenue$10M
Gross Margin
Revenue minus direct project costs (labour, materials, subs), expressed as a percentage. The remaining portion funds your operating expenses — the basis for sizing your line.
30%
Cash Conversion Cycle
The number of days it takes to turn project costs — labour, materials, subs — into cash collected from client payments. The longer this cycle, the larger your line needs to be.
90 days
Current Line of Credit
$
Construction Industry Notes
- GCs typically run 8–15% gross margin; specialty trades 25–40%
- Retainage (5–10%) extends your effective exposure further
- Lead with this math when requesting a larger line — show the cycle, not just the number
Key Numbers
The Math
Gap Analysis