Ledger & Stone Capital provides structured financing to Connecticut construction firms that are owed money and have mechanics liens on record. We bridge the gap between filed and paid — without waiting on litigation.
A mechanics lien is legal evidence of a debt. We treat it that way — structuring financing against documented obligations, not projections.
We advance against the value of your recorded mechanics lien — providing immediate liquidity without waiting for court judgments or property sales to resolve.
Our team knows CT lien law timelines, bonding requirements, and superior court procedures. Every facility is structured around your specific filing date and deadline risk.
A dedicated advisor reviews your lien package within 48 hours. Once approved, funds typically reach your account in 12 to 21 business days — no lengthy underwriting queues.
We work with general contractors, subcontractors, and specialty trades on facilities from $150,000 to $8 million — scaled to the documented lien amount, not your firm's balance sheet.
Our financing is debt-structured. You retain full ownership and control of your business. We are repaid from lien resolution proceeds — aligned with your outcome, not your cap table.
No hidden origination layers or variable rate surprises. We provide a plain-language term sheet before any commitment, so your CFO and legal counsel can review with confidence.
Many Connecticut contractors file a mechanics lien and then wait — sometimes months — while carrying the full cost of completed work. Ledger & Stone Capital treats your filed lien as the collateral it legally represents: a secured claim against a real property asset. We finance against that claim so you can fund the next job rather than stall on the last one.
We keep the process direct. No committee delays, no revolving door of analysts — one advisor manages your file start to finish.
Share the recorded lien document, the underlying contract, and a brief project summary. Our secure portal accepts uploads in any format.
Your advisor assesses the lien validity, property value, and obligor capacity under Connecticut statute. You receive written preliminary terms within two business days.
We issue a plain-language term sheet. Light diligence follows — title search, lien verification, and a brief call with your project lead. No extended audits.
Funds are wired to your account. Your advisor remains available through lien resolution — including guidance on foreclosure timelines if the underlying dispute extends.
These accounts reflect real client experiences. Identifying details have been generalized at client request.
"We had $1.2 million in filed liens across two New Haven projects and could not meet payroll on a third. Ledger & Stone structured an advance in three weeks. We kept our crew together."— GC, Hartford County · Commercial interior fit-out
"Their advisor understood the CT lien law deadlines better than our own attorney did. The term sheet was clear, the fees were as stated, and the wire arrived on day 18."— Electrical subcontractor, Fairfield County
"We had been turned away by two banks because of the open litigation. Ledger & Stone looked at the lien itself, not the dispute. That distinction made all the difference."— Masonry contractor, New London County
Tell us about your filed lien and the capital you need. An advisor will respond within one business day with a preliminary assessment — no obligation, no cost.