Back to Public IdeasPublic idea · scored on Gaplyze
Idea Detail
工程工资垫付栈
ScoreSteady
The Pitch
Idea Description
挖机司机与小承包队普遍现金流紧张：油费、保养、司机工资要先出，但甲方/总包结算周期长，欠款也难追；现有小贷/保理往往不懂工程履约，风控成本高。我们做“基于履约数据的工资/油费垫付”，以项目验收节点、GPS工时、电子签收做风控，先从高频小额切入。
- 绑定「机手信用网」的履约数据，做动态授信与额度滚动
- 垫付场景聚焦：工资、柴油、易损件、进出场费用（单笔小、周转快）
- 对项目方提供无感对账+分期结算工具，降低拖欠纠纷
- 收费：垫资服务费/利差 + 企业端风控SaaS订阅
Topic
我会开挖掘机，我是否可以整合挖掘机司机并对接项目，从中获取综合收益
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