Marblemont Lenders, a small-business funding service in Sherman, Texas, explains funding for contractors: working capital between draws and retainage, equipment financing for machines and trucks, releasing a UCC lien, and how a construction company prepares a request. Grayson County construction counts and permit figures come from the Census Bureau.
At a glance
- Construction employers, Grayson County, TX
287 establishments, 2,604 employees (CBP 2023)
- Construction businesses without payroll
2,307 (Nonemployer Statistics 2024)
- Housing units permitted, Grayson County, TX
1,881 in 2025; 2,142 in 2024; 2,447 in 2023 (BPS)
What Is Cash Flow in Construction? The Short Answer for Grayson County, TX
Construction cash flow runs in reverse order to a shop's: money goes out first, for lumber, concrete, rental equipment and payroll, and comes in later, in draws tied to progress, with part of each payment often held back as retainage until the job closes. A profitable job can still leave the account empty in week six.
Illustration only, invented figures: a Sherman remodeler signs a $90,000 commercial job paid in three draws of $30,000, each with 10% retainage held to the end. Each draw nets $27,000, and the $9,000 retained arrives only at completion ($30,000 x 10% x 3). If materials and wages for the first phase run $34,000 before the first draw, the contractor carries a $7,000 shortfall even after that draw lands ($34,000 - $27,000).
How to Get Construction Financing Around Sherman, TX
"Construction financing" means two different things. For a property owner, it is a loan to build a building, which Marblemont does not arrange. For a contractor, it is funding to run the business that builds: working capital for materials and payroll between draws, equipment financing for the machines, and a line of credit for gaps that repeat job after job.
Sherman, TX: How to Get Loan for Construction Business
- Recent bank statements that show job deposits
- A list of jobs underway, contract values and the draw schedule for each
- Receivables aging: what is billed, how old it is and what is retained
- Equipment quotes, if the request includes a machine
- Business tax returns and the owner's credit
A partner reading a contractor's request wants to see where repayment comes from, so the job list matters as much as the statements.
How to Get Funding for a Contractor Business in Texas as a Sherman, TX Business
Grayson County had 287 construction employers in 2023, and 61.0% had fewer than five employees (CBP). Small crews fund small gaps often. The shape follows the gap: a single job with a long draw schedule suits a short working capital loan sized to that job; steady work with constant overlap suits a credit line; a skid steer or a dump trailer is its own equipment request.
How to Get Funding for a Contractor Business Plan: A Grayson County, TX Checklist
- Describe the work you do and the customers you do it for (homeowners, general contractors, public agencies).
- List the contracts signed and the pipeline you are bidding.
- Show twelve months of revenue and the gaps between billing and payment.
- Name the purchase or gap the funding covers and how each dollar is repaid.
- Attach equipment quotes and insurance certificates.
How to Get Funding for a Construction Company: Notes From Sherman, TX
Moving from residential to commercial work changes the funding picture. Commercial jobs are larger, pay on longer cycles and hold retainage, so a company stepping up needs more working capital per job than it did on home remodels. Price that before bidding: a won bid with no money to start it is a problem, not a win.
How to Release a UCC Lien in Texas: Steps for Grayson County, TX Owners
Equipment loans and some working capital loans are recorded with a UCC financing statement filed with the Texas Secretary of State. When the debt is paid, the secured party files a termination (a UCC-3) so the lien no longer shows. Search the filings in your business's name through the Secretary of State's business services at sos.state.tx.us, and ask the lender for the termination if a paid-off lien still appears; a stale lien can confuse the next partner's review.
Grayson County, TX construction in Census Bureau figures
The 287 construction employers counted in 2023 employed 2,604 people and paid $175.1 million in wages; by our arithmetic that is about 9.1 employees per establishment and $67,233 of payroll per employee. Building equipment contractors (plumbing, HVAC and electrical, NAICS 2382) were the largest four-digit group at 97, residential builders numbered 57, and nonresidential builders 15.
Nonemployer Statistics, a separate program, counted 2,307 construction businesses with no paid employees in 2024, with $266.8 million in receipts. The Building Permits Survey recorded 1,881 new housing units authorized in Grayson County in 2025 (1,175 of them single-unit), after 2,142 in 2024 and 2,447 in 2023.
Trade pages: plumbing and HVAC, electricians and landscaping. Before a build-out of your own shop, the Sherman certificate of occupancy guide lists what to ask the city. All industries: funding by industry; county data: the Sherman, TX page.
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