M2M helps the small contractors who build, fix, and maintain New York City go from capable to bankable — building the financial system the business runs on, and opening the doors that a working system unlocks.
…plus low-voltage & telecom, fencing, fire safety, security, and the other businesses that keep New York standing.
Nuts & Bolts — six weeks of financial fundamentals for contractors. Seats are limited.
Tuesdays, 9:30–11:30 AM
November 3 – December 8, 2026
Three in-person sessions and three virtual, plus up to three one-hour 1:1s with M2M.
$750 standard · $550 need-based
Financial assistance is available for those who qualify — ask us.

We're partnering with Monadnock Construction, Inc. to host this cohort's in-person sessions — which means you'll be learning inside one of New York's established builders, alongside the people who award work.
Text "Nuts and Bolts" to 917-342-2382, call the same number, or email info@them2mproject.org.
Ask about the November cohort →
New York has plenty of help starting a business and plenty of capital for businesses at scale. Almost nothing exists in between — and a contractor can have real crews, real jobs, and real revenue and still be stopped at the paperwork.
My CPA sees my books once a year, at tax time.
there's a solutionI lost the bid because I couldn't get financials to the surety in time.
there's a solutionThe GC hasn't paid me in ten months.
there's a solutionI know we made money this year. I just can't tell you where.
there's a solutionI'm certified. I'm licensed. Nobody calls.
there's a solutionI'm good at the work. The paperwork is what's stopping me.
there's a solutionFour programs, one model: we build the system inside your business, then open the doors.
An electrical contractor was about to lose its first New York State contract for lack of mobilization capital. Clean books produced an underwritable application; an M2M introduction produced the lender. Loan approved, $305,000 contract kept.
A mechanical contractor used its cleaned-up books to pursue surety for the first time. Bonding was closed to the business before the books were fixed. It's open now.
Ten months of a trucking company's own advocacy didn't move a Navy Yard payment. One call from an M2M relationship did. It's now the prime on a state DOT contract.
Three businesses, served in the last year. We prepared the file and made the introduction; the lender made the credit decision. Both are true, and we'll always tell you which is which.
Our first Nuts & Bolts cohort wrapped in spring 2026.
Before, I was not confident about my numbers. Now I'm confident they are wrong and need to be fixed.
This program is beyond important — do not underestimate it!!!
This has been life changing.
In New York City, people of color, women, and immigrants are the majority of the population — and a small minority of its business owners.
Three circles, each larger than the last — a rising share of ownership.
M2M means Minor to Major. We're here to change that math one business at a time, until the businesses we serve have grown past the size where a designation is the only way in.
We're accountable for the system. We track the rest — and we report it as what it is.
We'll tell you honestly whether M2M is the right fit right now.
Contractors — ask about the November cohort, or tell us what's broken and we'll scope a fix.
Buyers & partners — share an opportunity or add M2M to your outreach list. Nothing about how you buy changes.
Funders & lenders — start a conversation. We'll show you exactly where a dollar lands and what it changes.
Or email info@them2mproject.org.
Small contractors — and the businesses that build, fix, and maintain New York City — who are past start-up and not yet set up for the next size of contract. Sliding-scale fees. The system you build is yours to keep.
Ask about the next cohort →Licensed, certified, and able to produce the financials your process asks for before you have to ask twice. We just make sure good local contractors are in the running.
Share an opportunityA tractable, under-funded gap; a two-sided model; evidence counted at its actual size. If you've been looking for creditworthy small contractors you couldn't find — this is where they are.
Start a conversation