Merchant Fund Express
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Expansion Funding for Construction Companies

Add a crew, open a new yard or take on a new trade. Apply in five minutes with about three months of business bank statements and no tax returns.

Fund My Growth

Construction Expansion Funding

Bid more work without betting the whole company

Expansion costs come first and revenue follows. We fund working capital based on your current deposits so you can grow at a pace your cash flow supports.

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.

Capital for contractors ready to grow

Quick, low-paperwork process

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. Strong deposits carry real weight.

Clear costs

See the full repayment amount in your offer before you accept, with no surprise costs after you sign.

Predictable repayment

The repayment schedule is in your offer up front, so you can build it into your ramp plan.

Need capital this week?

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.

Growth in construction is front-loaded

Every kind of expansion in this business costs money before it makes money. A second crew needs a lead, trucks, tools and a few weeks of wages before its first job bills. A new service line such as site work or commercial tenant improvements may need licensing, insurance changes and equipment. A second yard in a new market needs rent and a reason for GCs to call you. The work comes later.

Ways contractors grow with outside capital

Adding capacity

Hiring a second or third crew so you can bid more work at once, using working capital to carry wages and mobilization.

Adding equipment

Bringing work in-house that you used to rent or sub out. Equipment financing is often the cleanest fit for machines you will keep.

Adding a market

Opening a yard or office in a nearby metro, where startup costs and marketing come before the first contract.

How we size expansion funding

Offers range from $25,000 to $5,000,000 and are based mainly on about three months of business bank deposits and your existing obligations. Your growth plan explains the purpose, but the amount reflects the cash flow you already have, which protects you from taking on more than the current business can carry while the new piece ramps up.

Getting started

The application takes about five minutes and starts with a soft credit pull. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Some owners pair a lump sum for the launch with a line of credit for ongoing needs.

Grow at a pace your cash flow supports

Your offer shows the full repayment amount and schedule before you accept. Build a simple ramp plan: how many weeks until the new crew or yard bills its first job, and how the repayments are covered from existing work until then. If the math only works when everything goes right, scale the request down. Steady growth beats a stretched balance sheet.

Frequently Asked Questions

Can I use expansion funding to hire a new crew?

Yes. Working capital can cover wages, trucks, tools and mobilization costs while the new crew ramps up.

Do I need a business plan to apply?

No formal plan is required. A clear idea of how you will use the funds helps you request the right amount.

Is equipment financing better for expansion?

For machines you plan to keep, equipment financing is often a good fit. For wages and startup costs, working capital is more flexible.

How much can a growing contractor get?

Funding runs from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

How long does it take?

The application takes about five minutes, and qualified businesses can be funded in as little as 24 hours.

Will applying show up on my credit report as a hard inquiry?

We start with a soft credit pull, which does not affect your score.

Second crew $85,000.00
New yard lease $40,000.00
Work trucks $72,000.00
Licensing, insur. $19,000.00

Example uses for illustration only.

How to improve your chances

These steps make expansion safer and funding easier to justify.

  • Write a simple ramp plan with first-billing dates
  • Hire the crew lead before the crew
  • Keep the core business's deposits steady
  • Expand into trades you already sub out

Growth capital compared

Merchant Fund Express
Traditional bank loans
Application
About five minutes
Business plan and projections
Documents
About 3 months of statements
Years of returns and financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks or months
Credit check
Soft pull to start
Hard pull common

Take on the next stage of your company

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

Apply for Funding
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