Growth in an asset-heavy business is gated by capital, not demand. You've won the work — you just can't fund the units to deliver it. Because Allometry already scores your revenue against executed work, you become underwritable, and capital lands in days instead of quarters.
Every unit is paid for before the invoice clears. That gap — not demand — is the real constraint, and it persists because lenders can't see what you've actually executed. They underwrite stale financials and price for their own uncertainty. The spine makes the work visible, so the price of capital falls.
A lender wants four things: verified backlog, real cost, asset collateral, and payment history. All four already live on the spine. So the underwriting packet is a query, not a three-week document scramble.
Not every shortfall is a loan. A capex gap wants equipment finance; a working-capital gap wants a receivable advance; a supply gap wants vendor terms. Allometry knows which gap you actually have, because it can see the cash cycle.
Paying cash for units sinks your working capital into steel and waits two years to recover it. Financing keeps the curve shallow — and the capital you didn't sink becomes the next three sites.
Asset-secured term debt against the units themselves, 36–60 months.
Use when buying unitsDraw against invoices already raised on completed work. Ledger sizes it daily.
Use when DSO bitesExtended payment terms negotiated on your verified backlog, not your age.
Use when stock gates youA facility sized to predictable RevOps demand, refreshed as the book grows.
Use when scaling territoriesAllometry is not a lender and takes no credit risk. We build the underwriting packet from your own operating data and put it in front of financing partners who compete for the facility. You keep the relationship; we keep the data honest. Terms, rates, and approval remain entirely with the lender.
| Dimension | Traditional route | Through Allometry |
|---|---|---|
| Basis of underwriting | Trailing financials | Executed work, per address |
| Diligence | Document request, weeks | Live data feed, daily |
| Time to funded | One or two quarters | days, not quarters — the design target |
| Collateral | Company + guarantees | Asset + verified backlog |
| Facility sizing | Fixed at signing | Refreshed as the book grows |
| Who carries risk | You and the bank | Lending partner · not Allometry |
Send us a quarter of closed jobs, your asset register, and your open backlog. We'll build the underwriting packet, tell you the grade it earns, and what a partner would fund against it.