Pay apps take weeks. Payroll does not wait. Get $25,000 to $5,000,000 based on your deposits to cover the gap between billing and getting paid.
Start My ApplicationConstruction Cash Flow
Retainage, net terms and change orders stretch construction cash. Working capital or a line of credit sized to your deposits keeps materials and labor moving.
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.
A 5-minute application and about three months of bank statements. Qualified builders can be funded in as little as 24 hours.
FICO scores from 500 are considered. We weigh your job deposits, not just a score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Repayment terms are set out in your offer, so you can map them against your billing calendar.
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.
Ask any builder and you will hear the same thing: a job can be profitable on paper and still drain the bank account for months. Construction is paid in arrears. You submit a pay application, it gets reviewed, maybe revised, approved, and paid on net terms. Meanwhile your crews, subs and suppliers expect payment on their own schedule.
Add retainage held until substantial completion, change orders that get approved after the work is done, and a few slow-paying owners, and the timing gap becomes the main thing you are managing.
A simple spreadsheet beats a gut feeling. For each active job, list:
Roll the jobs together by week. The weeks where outflow exceeds inflow are your real exposure, and they are usually predictable two or three months out.
Submit pay apps on the exact cutoff date with clean backup. Late or incomplete paperwork pushes payment into the next cycle.
Get written approval before doing extra work whenever possible. Unsigned changes are the slowest money in construction.
Mobilization and early line items can be scheduled to reflect real upfront costs.
Funding works best when it is tied to a clear purpose and a clear source of repayment: covering payroll until a large draw clears, buying materials for a job you have already won, or replacing a piece of equipment that keeps crews productive. Our working capital for construction and construction payroll funding pages cover those cases in more detail, and equipment financing handles machinery.
Merchant Fund Express offers $25,000 to $5,000,000 based mainly on your business deposits. We review about three months of bank statements, consider FICO scores from 500, and do not ask for tax returns. Sole proprietors and small crews can apply. The application takes about 5 minutes with a soft credit pull to start, and qualified businesses can be funded in as little as 24 hours.
Yes, that is one of the most common uses. The amount depends mainly on your deposits and existing obligations.
Our review is based mainly on about three months of business bank statements. Job details help us understand your timing, but you do not need a formal WIP schedule to apply.
They stretch your cash cycle, which is exactly the gap funding is meant to bridge. Consistent deposits over time are what we focus on.
If your gaps come back every billing cycle, a line of credit often fits better. A lump sum suits a single purchase or one large job. Compare them on our line of credit vs merchant cash advance pages.
We start with a soft credit pull, which does not affect your credit score.
Example uses for illustration only.
These steps help builders shorten their cash cycle and present a cleaner file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding