Yes. Revenue-based funding averages deposits across months, which suits project-based income; show contracts or pending draws to support larger amounts.
Check my optionsConstruction
Uneven income is normal in construction, and funders that work with contractors expect it. What they want to see is that the ups and downs follow a pattern and that the business stays solvent through the slow stretches.
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.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
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.
Underwriters reviewing a contractor will usually look at more months of statements than they would for a steady retail business, often six or more, to see a full cycle. A roofing company with strong spring and summer deposits and a quiet winter can qualify if the annual pattern is clear and the account does not go negative during the slow months. What concerns underwriters is randomness: big deposits followed by long gaps with no explanation.
You can help by explaining the pattern. Note when large draws or final payments arrive, which jobs are in progress and what contracts are signed for the coming months. A short list of current projects with expected payment dates often turns an uneven statement into a credible story. Signed contracts and approved pay applications are especially persuasive.
Match the product to the pattern. A line of credit drawn in slow months and repaid in busy ones is ideal if you qualify. Revenue-based funding can also work if the payment is sized for the slow months, not the average, or if the funder offers a percentage-based structure. Avoid taking a large fixed daily payment right before your quietest season.
Bank loans for contractors often require two years of returns, bonding history for larger contracts and sometimes collateral. Revenue-based options rely more on deposits and consider credit from 500, with better offers for stronger credit. MFE can show both kinds of offers when available.
Here is an advance sized to a contractor slow-season deposits rather than the average. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.40 |
| Total payback (amount × factor) | $70,000 |
| Fees deducted at funding (4%) | $2,000 |
| Net cash you receive | $48,000 |
| Weekly payment over 32 weeks | $2,188 |
| Same total as daily debits (~160 business days) | $438/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Six or more months reviewed | Captures a full cycle |
| Clear seasonal pattern | Acceptable |
| Random large gaps | Concerning without explanation |
| Signed contracts | Strengthen the file |
| Positive balance in slow months | Key approval factor |
Good fit:
Probably not yet:
Yes, if the pattern is clear and the account stays positive through slow months.
Often six or more, to show a full cycle.
Yes, they show upcoming revenue and can raise offer size.
Better to size them to the slow months or use a percentage-based structure.
Revenue-based options begin at 500.
Yes, for contractors with two years of returns and strong credit; they take longer.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding