The Mobilization Mindset
Mobilization Mindset is the podcast for construction and manufacturing leaders who are building smarter, leading stronger, and growing with intention. Hosted by Mobilization Funding CEO Scott Peper, each episode features insightful conversations with founders, operators, and changemakers who are rewriting the rules and doing the work.
From workforce challenges to mental health, communication to cash flow, culture to leadership - this is where grit meets strategy, and strategy meets action. No fluff. No filters. Just real insights for the MF’ers moving their businesses forward.
The Mobilization Mindset
Episode 112 | Financing Tips Contractors Can't Afford to Miss w/ Chris Scoville
Every contractor says cash flow matters. But most don’t realize how much of it they’re giving away — before the job even starts.
In this episode, Scott sits down with Chris Scoville, founder of Improvifi, to talk about where contractors are bleeding profit — and how outdated assumptions about pricing, financing, and sales are getting in the way of growth. With over 30 years of experience, Chris explores the real reason homeowners say “I can’t afford it,” how commercial contractors are stuck in a cash-heavy mindset that no longer works, and why your margins should be protected the same way your materials are.
Learn in this episode:
- Why “all our customers pay cash” is usually a lie contractors tell themselves
- How offering financing without training causes more damage than none at all
- What actually gets built into your pricing (and why financing belongs there too)
- How to stop discounting to win jobs — and shift to value-based negotiation
- What solar, HVAC, and roofing get right about point-of-sale psychology
- Why consumer expectations have changed — and why contractors haven’t
- The “buy now, pay later” mentality that’s already driving customer behavior
Chris also shares how he launched his LLC in 20 minutes—and why he decided to build a company around everything traditional lenders weren’t doing. He opens up about his early fears around the future of commercial real estate, his experience working with SBA loans and banks, and the gaps he saw contractors struggling to navigate.
Whether you’re running a residential business or managing cash flow on the commercial side, this episode offers a practical playbook for turning financing into a competitive edge.
🎧 Full episode is live now.
Hosted by Scott Peper – CEO, Mobilization Funding
https://www.linkedin.com/in/scott-peper-9387288/
Guest: Chris Scoville – CEO, Improvifi
https://www.linkedin.com/in/cscoville/
The Mobilization Mindset is the podcast for construction and manufacturing leaders who build smarter, lead stronger, and grow with intention.
Subscribe for new episodes every Thursday.
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