If you cannot get a line of credit or access capital, growth as a contractor is next to impossible. With tons of upfront costs like labor, equipment, and fuel, most contractors aren't getting paid until almost 100 days after a job is complete. That's the worst payment timeline in any industry. And sometimes they won't even see the full payment. This leads to worse credit which, of course, leads to a lower chance of getting a line of credit or loans. And in this process, contractors absorb all the risk.So what's the solution? That's what Zaid and Kevin talk about on this week's episode of Building Builders. They break down the most common payment terms and how contractors can navigate debt-to-equity ratios, access more short-term capital, and use that capital to grow their business. Other Key Moments:Zaid's background, his ties to construction, and why he started Flexbase

What Flexbase is and how it works for contractors

Why accessing cashflow and invoicing is so hard for contractors

Navigating relationships with collecting payment in contracting

Why it's difficult for contractors to get a line of credit

How contractors can leverage short-term capital to manage debt

How to leverage short-term capital to grow your business 3x

Why understanding financing and accessing capital are crucial to growth for contractors

How FinTech and other technologies are affecting construction