‍Texas Builder’s Toolkit: How to Secure Materials While Funding Is Pending

‍Quick answer:

‍Even if your loan hasn’t funded yet, you can still make moves to secure materials and avoid build delays. From negotiated terms with suppliers to leveraging deposits strategically, smart builders in Dallas, Tarrant, and Collin counties know how to stay ahead of supply chain slowdowns.

If you’ve ever waited on materials while your framers sat idle, you already know: project momentum dies when deliveries don’t show up. This article will help you avoid that.

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Why This Is a Big Deal in Texas Markets

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With continued growth across North Texas—and tight labor and inventory—contractors and investors can’t afford delays due to back-ordered materials or “just in time” ordering gone wrong.

The challenge:

You may not have access to construction loan funds until your first draw, and some suppliers won’t hold materials without a payment.

So what can you do between loan approval and funding—or while waiting for a draw to be released?

Let’s dig into the tools you can use.

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Strategy #1: Work With Suppliers Who Offer Net Terms

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Some materials suppliers, especially locally owned ones, will allow builders to order under Net 15, Net 30, or Net 45 terms.

This means you can:

• Reserve materials before loan funds are available
  
• Take delivery immediately or at a scheduled date
  
• Pay only after funding closes or a draw is disbursed
  

These relationships are gold for builders who do repeat business. Be honest with your supplier about the funding timeline and close date, and many will work with you—especially in Dallas-Fort Worth suburbs, where fast-moving jobs are common.

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Strategy #2: Use Deposits to Lock In Pricing

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Even if you can’t pay in full, a small deposit can often hold materials at today’s pricing.

For example:

• A $1,500 deposit might reserve $12,000 worth of trusses for 30 days
  
• A 10% down payment on custom windows can secure your spot in the production queue
  
• A local stone yard may hold your masonry materials for 2–3 weeks with partial payment
  

If prices are rising—or lead times are long—this tactic can save both time and money.

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Strategy #3: Ask Your Lender About Advance Draws

At Silverton Capital, we don’t fund based on blueprints alone—but we do offer fast draw releases once work begins.

If you’re within days of starting, and your builder needs to pre-order:

• Send in your scope of work and material estimates
  
• Request a partial draw based on percentage of work to be initiated
  
• Document clearly what materials are needed and why they’re time-sensitive
  

This won’t work in every case, but good communication with your loan officer can help you get creative—especially if you’ve closed with us before.

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Strategy #4: Leverage Your GC or Subcontractor’s Accounts

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Many experienced general contractors (GCs) and subs have credit lines with major suppliers like:

• Home Depot Pro
  
• Lowe’s for Pros
  
• 84 Lumber
  
• ABC Supply
  
• Local truss or lumberyards
  

Rather than fronting costs yourself, you can:

• Have them order under their account
  
• Reimburse them from your loan draw once funded
  
• Negotiate upfront how and when payment will occur
  

This can keep your project on track without you having to scramble for out-of-pocket funding.

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Strategy #5: Use a Storage Container or On-Site Staging

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Worried about theft or weather damage? Ask your contractor to:

• Use a lockable shipping container to store early deliveries
  
• Stage materials in a secured garage once the structure is up
  
• Schedule deliveries to align with trade start dates
  

This shows both your lender and your team that you’re thinking ahead—which increases trust and draw approval speed.

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Final Tip: Document Everything

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Whether you're placing deposits, securing quotes, or prepping for a draw, keep good records.

Lenders like Silverton Capital appreciate:

• Clear invoices
  
• Proof of delivery
  
• Photos of materials on-site
  
• Deposit receipts with descriptions
  

The smoother your documentation, the faster we can release funds when the time comes.

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Bottom Line

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Waiting for funding doesn’t mean waiting to act. Smart Texas builders:

• Build relationships with suppliers
  
• Use deposits strategically
  
• Communicate clearly with lenders
  
• Plan material flow before the slab is poured
  

At Silverton Capital, we specialize in helping builders move quickly and stay agile, especially across the fast-paced Dallas, Tarrant, and Collin county markets.

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Ready to fund your next build or renovation?

‍Apply now at Silverton Capital and let’s make sure your materials and your money show up on time.

This article is for informational purposes only and is not intended to serve as legal, financial, or investment advice. Please consult with a licensed professional before making financial decisions.