Core Vertical / HVAC Contractors
Fund the crew before the GC pays you.
Cover payroll, equipment, and materials through net-30/60 receivables and the seasonal ramp.
The cash flow problem we solve
- Payroll is weekly but commercial receivables pay in 45 to 75 days
- Peak season means stocking condensers and compressors up front
- Bonding and retainage tie up cash you already earned
How Mile Hi handles it
- Underwritten on your deposit history, not your truck titles
- Draw what the season needs, renew when the next one comes
- Decisions in hours, not bank weeks
Common uses of funds
Straight answers
Does checking my options affect my credit?
No. Pre-qualification uses the information you provide. The credit application itself is a single-page soft-pull authorization, which does not impact your score the way a hard inquiry does.
How fast can funds arrive?
Qualified files with 90 days of bank statements can receive a decision in as little as 4 to 8 business hours, and funding is possible as fast as the same day.
Is collateral required?
Most working capital programs are unsecured and underwritten on business bank activity, not hard collateral.
What do you look at?
Time in business, monthly deposit volume, average balances, and existing obligations. Strong bank statements matter more than perfect credit.
See What You Qualify For
60 seconds. No hard credit pull. Answers in as little as 4 to 8 business hours.