The Challenge
F-Roberts Construction, a Southern California general contractor, was managing a growing pipeline of multifamily renovation and commercial projects. However, over $12 million in accounts receivable had been delayed by clients for a range of timing-related issues, creating a near-term liquidity constraint.
With cash flow tied up in receivables, the company faced pressure funding existing payables and lacked the flexibility to pursue new project opportunities. Without additional capital, leadership risked slowing growth, losing potential jobs, and straining relationships by pushing key clients for accelerated payments.
Our Solution
F-Roberts Construction was introduced to EMC Financial through a direct referral, seeking a flexible capital solution to bridge delayed receivables.
EMC structured a $4.75 million bridge facility designed to provide immediate liquidity while aligning with the timing of incoming payments. The facility was tailored to the company’s needs, featuring no personal guarantees, flexible repayment terms over an 18-month period, and no penalties for early payoff as receivables were collected.
The transaction was executed and funded in under five days, allowing management to stabilize cash flow, meet existing obligations, and maintain momentum across active and prospective projects.
Measured Results
- Immediate stabilization of cash flow, allowing the company to meet existing obligations without disruption
- Successfully bid and secured three new projects, adding approximately $30 million in additional revenue
- Maintained strong relationships with key clients without the need to accelerate payment terms
- Preserved operational momentum across active and future project pipelines
EMC Advantage
- ✔ Rapid execution with funding in under five days
- ✔ Flexible bridge structure aligned with receivable timing
- ✔ No personal guarantees required
- ✔ Ability to support growth without disrupting existing relationships or capital structure