How fronting works
You won the job. The foam money is tied up until the customer pays, and the schedule will not wait. We buy the material, it ships to your site, and you settle with us out of the check when it lands — one flat fee, agreed before anything moves.
The four steps
You show us a signed job contract.
We approve an amount against that job — usually the same day.
The foam ships to your job site. You spray. The 15% fee is on the invoice from day one.
The job pays you. You pay us the material cost plus that fee.
One flat fee. No compounding, no surprises, no daily debit.
Fronting costs a flat 15% of the amount we carry, charged once when the material ships. On $5,000 of material that is $750, and it is on the paperwork before you sign. Nothing compounds and no fee is ever charged on another fee — pay on time and that single charge is the whole cost of keeping your crew working.
A worked example
The same 2,000 sq ft job the estimator prices, carried to a Saratoga Springs job site at 2 inches of closed cell.
| Job contract value | $18,000.00 |
|---|---|
| Deposit you pay at the order (20%) | $1,286.35 |
| What we front (the rest of the order) | $5,145.42 |
| Fronting fee — 15%, flat, shown before you sign | $771.81 |
| Total you pay back when the job pays | $5,917.23 |
If the builder is slow
It happens, and there is a process for it. Call us before the due date and we can extend the advance twice, 7.5% of the fronted amount each time. Fees stop for good at 45% of what we fronted — that ceiling is in your agreement and we cannot go past it. Crews who pick up the phone early do better than crews who go quiet.
Ready to grow? Let's size up the line.
The standard line covers one signed job at a time, which is right where most crews start. When you are ready to run three at once, or bid the commercial contract that has been out of reach, a secured line raises the ceiling — you pledge an asset, we underwrite against it, and you stop turning down work because of cash timing.
- A UCC-1 filing on the rig — proportioner, hose, guns and trailer, listed by serial.
- Titled equipment: box truck, skid steer, enclosed trailer. We hold the title until the balance clears.
- A personal guarantee from every owner with 20% or more of the business.
- For lines over $50,000, a second position on business real estate.
Secured means what it says: if an advance goes unpaid we can claim the listed equipment. Pledge against work you are confident in, keep us posted if a job slips, and this is simply how a growing crew buys more capacity than its bank balance allows.
The figures above are our published schedule applied to one example job. Your own terms — the fee in dollars, the cap, the extension rules and any collateral involved — come to you in writing and in plain language before you sign anything.