Merchant Fund Express
(305) 384-8391Apply

Emergency Funding for Construction Companies

A late pay app, storm damage or a broken machine. Apply in five minutes with three months of bank statements and keep your jobs moving.

Get Emergency Funds

Construction Emergency Funding

Keep one bad week from stalling every job you have

Construction emergencies spread fast across jobs. We fund working capital based on your deposits, with decisions that move quickly and funding in as little as 24 hours for qualified businesses.

As fast as
24 hours

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.

Fast help when the job site goes sideways

Quick decisions, minimal paperwork

Five-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered, starting with a soft pull, so checking your options is low risk.

See the full cost first

The full repayment amount is in your offer before you accept, with no surprise costs after signing.

Payments laid out up front

Your repayment schedule is in the offer, so you can confirm it fits a slow week.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Emergencies on a job site rarely come one at a time

A GC goes slow on payment the same month your loader needs a new engine. A storm wrecks staged materials right before an inspection. An insurance audit comes back with a bill you did not plan for. In construction, one setback tends to trigger the next, because every job depends on cash moving on schedule.

When that happens you need a decision quickly and money in the account soon after, not a loan committee three weeks out.

What owners use emergency funds for

How fast this can move

Our application takes about five minutes and starts with a soft credit pull. Send about three months of business bank statements; no tax returns are required. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. FICO 500+ is considered, and sole proprietors can apply.

Offers run from $25,000 to $5,000,000 and are sized mainly from your deposits and existing obligations.

Choosing the right tool

For a single hit, working capital or a merchant cash advance is usually the fastest fit. If cash crunches keep recurring, a business line of credit gives you a standing source to draw on. Our construction cash flow guide covers how to build a buffer once the immediate problem is handled.

Do not let urgency set the terms

Every offer shows the full repayment amount and the repayment schedule before you accept. Take five minutes to check both. Ask yourself whether the payments fit a slow week, not just a good one. Request what the emergency costs, plus a small cushion if the situation is still unfolding, and no more. That keeps one bad month from shaping the next six.

Should I apply now or wait to see how bad the problem gets? If the damage or delay is clear, applying early gives you time to review the offer calmly. The application takes about five minutes, and the soft pull does not affect your credit.

Frequently Asked Questions

How quickly can a construction company get emergency funding?

Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

Can I get funded if a big customer is paying late?

Yes. A late receivable is a common reason to apply. The offer is based mainly on your recent deposits and current obligations.

Will a soft credit pull affect my score?

No. We start with a soft pull, which does not affect your credit score.

What documents do I need in an emergency?

About three months of business bank statements and basic business information. No tax returns are required.

Can I use the funds for storm damage before insurance pays?

Yes. Working capital can bridge the gap while an insurance claim is processed.

Is there a minimum credit score?

We consider FICO scores from 500. Your deposit history matters a great deal.

Late pay app gap $55,000.00
Storm damage $31,000.00
Engine replacement $24,000.00
Audit bill $12,500.00

Example uses for illustration only.

How to improve your chances

These steps lower the odds and the cost of the next emergency.

  • Keep a cash reserve equal to two weeks of payroll
  • Document and photograph staged materials daily
  • Chase late pay apps in writing every week
  • Review insurance coverage before storm season

Emergency cash compared

Merchant Fund Express
Traditional bank loans
Decision speed
Moves fast
Weeks of underwriting
Funding speed
As little as 24 hours if qualified
Rarely fast
Documents
About 3 months of statements
Returns and full financials
Credit
FICO 500+ considered
Strong scores expected
Cost disclosure
Full repayment shown before signing
Varies by product

Get the job back on track

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
Apply NowCall