Merchant Fund Express
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Inventory Funding for Excavation Contractors

Stock pipe, aggregate, fabric and wear parts before the season starts. $25,000 to $5,000,000 and a 5-minute application.

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Excavation Inventory

Buy material when the price is right, not when cash allows

Early orders and bulk buys protect your margins. We help excavation contractors carry the inventory and repay from the jobs it supplies.

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.

Inventory funding that keeps the yard stocked

Fast, simple process

Five minutes to apply with about three months of statements. No tax returns.

Credit considered fairly

FICO from 500 is considered. Your deposits carry real weight.

Full cost in the offer

See the full repayment amount before you accept. No surprise costs after you sign.

Repayment laid out

The repayment schedule is in your offer up front, so you can plan around the season.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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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.

Excavation inventory is bigger than people think

Excavation isn't just machine time. Contractors who do utility work, drainage and site prep often carry storm and sewer pipe, fittings, aggregate, geotextile fabric, erosion control supplies, bucket teeth, cutting edges and bulk fuel. Buying those ahead of the season, or in volume when a supplier offers a better price, can protect your margins. It also ties up cash that you need for payroll and equipment payments. Inventory funding for excavation lets you buy smart without draining the operating account.

What excavation contractors stock

Choosing the right product

A one-time bulk buy usually fits a lump sum of working capital for excavation. If you restock throughout the season, a business line of credit lets you draw for each order. Contractors who want payments to follow revenue may look at revenue-based financing. In every case, your offer shows the full repayment amount and schedule before you accept.

An example, for illustration

For illustration: an excavation and utility contractor has three subdivision jobs starting in spring, each needing a large quantity of storm pipe and fittings. The supplier offers better pricing and reserved stock for an early order, but that order would empty the operating account right before the crew comes back. The owner takes working capital sized to the pipe order, stores it at the yard and repays from the deposits as the subdivision work bills out. The material is on hand when the trenches open, and payroll stays covered.

What we review

About three months of business bank statements, a 5-minute application and a soft credit pull to start. FICO scores from 500 are considered and no tax returns are required. Sole proprietors can apply. The amount depends mainly on your deposits and existing obligations. Apply now.

Frequently Asked Questions

Can I use inventory funding to buy fuel in bulk?

Yes. Working capital can be used for bulk fuel, pipe, aggregate, wear parts and other materials your business uses.

Do I need to show supplier invoices to apply?

No. We review your bank statements. A supplier quote is useful for deciding how much to request.

What funding amounts are available?

From $25,000 to $5,000,000. The amount depends mainly on deposits and existing obligations.

How quickly can I place the order?

Qualified businesses can be funded in as little as 24 hours after accepting the offer.

Is it smart to stockpile aggregate at the yard?

It can be, if the material is tied to jobs you have already won and you have room to store it. Buying ahead for work you hope to win carries more risk, so many contractors keep bulk orders tied to signed contracts.

Can a small excavation outfit apply?

Yes. Sole proprietors and small crews can apply if the business has steady deposits.

Storm pipe order $52,000.00
Aggregate stockpile $23,000.00
Wear parts $13,500.00
Bulk fuel $18,500.00

Example uses for illustration only.

How to improve your chances

A few practices help inventory turn into billed work faster.

  • Tie each bulk order to specific upcoming jobs
  • Track yard inventory so nothing gets double-ordered
  • Bill material on hand when contracts allow it
  • Keep deposits running through one business account

Inventory funding: MFE vs. a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long forms
Documents
About 3 months of statements
Tax returns, financials
Credit
FICO 500+ considered
Usually higher
Speed
As little as 24 hours if qualified
Often weeks
First credit check
Soft pull
Hard pull common

Stock the yard before the rush

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

Apply for Funding
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