The best MCA for a construction company understands draws, retainage and seasonal swings. Look for funders that review enough months to see your project cycle, offer weekly payments timed to draws and treat signed contracts as evidence, and compare more than one because some apply tighter criteria to certain construction segments.
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Construction cash flow is lumpy: materials and payroll go out weekly while progress payments arrive monthly, minus retainage. The right advance provider structures around that rhythm and evaluates contractors on their full project cycle.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
Net cash, total payback and payment shown before you sign.
Your file goes to funders that fit it, so offers can be compared.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Provider details summarize each company’s public website, checked October 2026. Terms change; confirm directly.
Review depth matters. Contractors often show large deposits followed by quiet weeks. Providers that review six or more months of statements, and that accept context such as a list of active projects, signed contracts and pay application schedules, can size offers more accurately than those that look only at the last two or three months.
Payment timing should match draws. Weekly payments, or payments that can be reconciled when a draw is delayed, fit contractors better than fixed daily debits. Ask how the funder handles a month where a large draw is late.
Segment fit varies. Some funders apply tighter criteria to certain construction segments, such as residential remodeling, or require more time in business for contractors. Comparing several funders through one application improves the chance of a match.
Price funding against job margin. Compare the total cost of the advance with the gross margin on the jobs it supports. Funding that consumes a large share of a project margin may not be worth it; funding that keeps a profitable job moving often is.
Watch stacking. Contractors who take advances from several funders during a busy season can end up with combined daily debits that collapse when a draw slips. Prefer structured second positions or buyouts of up to $100K when you need more capital while an advance is active.
Our list below summarizes each company from its own public website; MFE considers credit from 500 and works with contractors across trades.
Contractors should also ask how a funder treats retainage. Money held until project completion is real revenue, but it is not available for weekly payments. Providers that understand retainage will not count it as current cash when sizing the offer.
Here is a contractor advance with weekly payments timed to draws. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $62,500 |
| Fees deducted at funding (3%) | $1,500 |
| Net cash you receive | $48,500 |
| Weekly payment over 40 weeks | $1,562 |
| Same total as daily debits (~200 business days) | $312/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Review depth | Six or more months, project context |
| Payment timing | Weekly or reconcilable around draws |
| Segment fit | Residential vs. commercial criteria vary |
| Job margin | Funding cost vs. project gross margin |
| Stacking | Prefer second position or buyout |
Good fit:
Probably not yet:
One that reviews your project cycle, offers draw-aligned payments and states total cost clearly.
Some apply tighter criteria to certain segments; compare several.
Yes, they show upcoming revenue.
Often; ask for timing that matches draws.
Use structured second positions or buyouts instead of uncoordinated advances.
From each company public website, checked October 2026.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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