Fast-track tier — up to
$150,000
Financing structured for your immediate needs, subject to eligibility.
Financing — Construction
Financing for construction businesses.
You win the contracts. We structure the financing to deliver them: jobsite working capital, equipment, materials — before your first payments come in.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
In construction, the paradox is well known: the more contracts you win, the more pressure on your cash flow. Labour is paid every week, materials are ordered in advance, equipment must be on site from day one — while your payments arrive through progress draws, often after delays beyond your control. Add contractual holdbacks, and a business that is profitable on paper can run short of cash in the middle of a project.
Financing for a construction business is therefore not assessed the way financing for a retail business is: it is assessed on your contracts, your order book, your margins per project and your ability to deliver. That is the language we speak — and the one we translate into a file that financial partners can evaluate at its true value.
The three tiers
Three tiers, one well-built file.
Partner tier — up to
$1,000,000
Larger financing presented to our financial partners, with Ceneris acting as intermediary.
Bank tier
Several million $
Major commercial loans structured with the banks for your largest projects.
Ceneris Conseils is an advisory firm, not a direct lender. The approval decision rests with the financial partners; no financing, rate or timeline is guaranteed.
Typical needs
The needs we see most often.
- Jobsite working capital — absorb the gap between weekly outflows (payroll, materials, subcontractors) and your clients' progress draws.
- Financing for new contracts — mobilize the crew, equipment and materials for a signed contract before its first payment.
- Equipment and machinery — excavators, loaders, scaffolding, specialized tools, new or used.
- Jobsite vehicles and trailers — service trucks, dump trucks, trailers, aligned with your active contracts.
- Surety bonds and room to manoeuvre — structure your overall financial capacity so you can bid without putting yourself at risk.
Our role
What Ceneris structures for you.
We start from your real contracts — signed or in advanced negotiation — and your jobsite numbers, not a generic form. The file we build demonstrates the need project by project, the repayment capacity from expected progress draws and the precise use of funds. Depending on the amount and your company's profile, your request is presented at the appropriate tier: our financial partner Merchant Growth for fast-track needs, our financial partners for larger projects, with Ceneris acting as intermediary, or the banks for major projects — acquiring commercial land, an equipment yard or a business.
Process
Support in four steps.
1
The conversation
You describe the contract, the project or the equipment you have in mind; we sincerely tell you what can be structured and what must be structured differently.
2
The structured file
Contracts, bids, margins and expected progress draws presented to demonstrate the project's profitability, not just its amount.
3
The presentation
Your file is submitted to the partners who finance construction and match your profile.
4
The follow-up
We follow the progress with you, right through to the financial partner's decision.
FAQ
Frequently asked questions — construction.
Can you finance a contract before its first payment?
It is one of the most common needs in the industry: we structure requests backed by the signed contract, the planned progress draws and your margins, then present them to the appropriate partners. Approval and terms rest with the partner, subject to eligibility.
Do you finance used equipment?
Yes, requests can cover new or used equipment, as long as its value and usefulness for your contracts can be demonstrated. We prepare the file by demonstrating the link between the asset, your projects and your revenue.
Our business is young under its current incorporation. Is that disqualifying?
Not necessarily: the owners' experience, the contracts in hand and the quality of the numbers all count in the assessment. We will sincerely tell you, from the very first conversation, how your file looks and what could strengthen it.
A project should never have to wait on its cash flow.
Talk to an advisor who understands construction: 514-448-3727, ext. 102 — or submit your request online: seven fields, no banking documents at this stage.
An advisory firm, not a direct lender. Financing subject to eligibility; no financing, rate or timeline is guaranteed.