A Stonehollow Lending article for Kootenai County, ID builders and trades on paying for lumber, drywall and fixtures before the draw clears, with county counts and a labeled example.
Four Ways Kootenai County, ID Contractors Cover Materials
- Customer deposits: a share collected at signing, common on remodels and custom work.
- Supplier trade credit: an account at the lumber yard or supply house, paid on its terms.
- A business line of credit: drawn for each order and repaid when the draw clears.
- Retained earnings: the firm's own cash from past jobs.
Each has a cost and a limit. Deposits depend on the contract; supplier accounts carry their own terms and late charges; a credit line charges interest only while drawn; and cash spent on one job is not available for the next.
Builders, Finish Trades and Permits in Kootenai County, ID Census Data
Kootenai County, ID had 1,167 construction employers in 2023, more than any other sector, with 7,478 paid employees (County Business Patterns 2023). They included 308 residential builders, 199 building finishing contractors and 174 other specialty trade contractors. The county also counted 2,343 construction businesses without paid employees in 2024 (Nonemployer Statistics), a separate program. New housing units permitted numbered 2,043 in 2023, 1,587 in 2024 and 1,705 in 2025 (Building Permits Survey).
How Do Contractors Pay for Materials in Coeur d'Alene, ID? A Draw Worked Through
Illustration only, invented figures: a framing contractor with a $75,000 credit line draws $28,000 for one house's lumber and $22,000 for a second, leaving $25,000 of the limit unused. The first builder releases the framing draw 24 days later. At an assumed annual rate of 11%, interest on the $28,000 for those days is about $202.52 (our arithmetic, simple daily interest). The contractor repays the $28,000 from the draw and the line is ready for the next house.
The same lumber on a fixed loan would keep charging interest after the draw had been paid, which is why a line suits a repeating materials cycle.
What Is a Contractors Loan in Coeur d'Alene, ID? Matching Money to the Job
A contractor's loan is any business funding used for the firm's work: materials, a truck or machine, payroll or the purchase of another firm. Machines fit equipment financing; materials and payroll fit a credit line or working capital; buying a firm fits a term loan. Choosing by the job keeps short costs off long loans.
What Is Construction Financing in Coeur d'Alene, ID? Two Meanings
Construction financing can mean the loan an owner takes to build a house or building, paid out in draws to the builder, or the business funding a contractor uses to run its jobs. Stonehollow does not arrange the first, which is a real estate loan; it handles the second. The owner's construction loan sets the draw schedule the contractor is paid on, so read it when planning materials.
How to Get a Contractor Loan in Coeur d'Alene, ID?
Bring the contracts or draw schedules for current jobs, an aging list of what builders and owners owe, a year of bank statements, two years of tax returns and a list of trucks and equipment with any balances. A partner reads how reliably the firm's customers pay and how much of each job's cost the firm carries before a draw.
How to Get Construction Financing in Coeur d'Alene, ID? Retainage and Change Orders
Retainage held back until a job is complete, and change orders approved but not yet paid, are both money the firm has earned but not received. List them separately on the receivables, with the expected dates. A partner sizing a line or working capital reads them as part of the gap the funding covers.
What Is Cash Flow in Construction? Deposits Against Draws
Cash flow in construction is the timing of money: materials and wages go out early in each stage, draws come in after inspection or approval. A firm can be profitable on paper and still short of cash if several jobs are in the expensive stage at once. Track the stage of every job and the expected draw date on one sheet; it shows the size of the credit line the firm actually needs.
The construction page covers trades and equipment in more detail.
A Materials Checklist for Kootenai County, ID Contractors
- Set deposit terms in each contract where the customer agrees.
- Open supplier accounts and know their payment terms.
- Size a credit line to the jobs that overlap.
- Repay each draw against its materials as soon as the draw clears.
- Track retainage and change orders separately.
- Then call (208) 314-7609, or open the Stonehollow request form, with the figures in hand.
County tables are on the Coeur d'Alene, ID page.
By Stonehollow Lending · Updated
