Merchant Fund Express
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Funding for a New Contract Start

Cover materials, crew and mobilization before the first invoice pays. We fund established businesses from $25,000 to $5,000,000 with a 5-minute application.

Fund My Contract

Contract Mobilization Funding

Bridge the gap between award and first payment

New contracts cost money for weeks before they pay. Working capital keeps payroll and suppliers covered while you mobilize and bill your first milestone.

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.

Made for contract start-up costs

Fast application, few documents

About three months of bank statements and no tax returns. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500 and up is considered. Your deposits and current obligations are weighed alongside your score.

The full cost, in writing

The total repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Repayment mapped to your job

The schedule is laid out in the offer up front so you can plan it against your billing cycle.

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.

Winning the contract is the easy part

A signed contract feels like money in the bank, but the bank does not see it that way yet. Before the first invoice is paid, you may need to buy materials, rent or buy equipment, hire or reassign crew, cover insurance and bonding costs, and carry payroll for weeks. Clients on net 30 or net 60 terms, or progress billing tied to milestones, stretch that gap even further.

We provide working capital so established businesses can start strong on new work. Apply in about 5 minutes; funding runs from $25,000 to $5,000,000.

What gets weighed when you are starting new work

Funders still underwrite the business, not the contract. That means:

If the client has issued a purchase order, our explainer on purchase order financing covers how that differs from working capital.

Typical start-up costs on a new contract

CostFits best with
Materials and suppliesWorking capital or merchant cash advance
Trucks, lifts, toolsEquipment financing
Crew payroll before first paymentWorking capital or line of credit
Uneven draws during the jobBusiness line of credit

Example figures on this page are for illustration only.

Who this fits

Contractors, staffing firms, janitorial companies, manufacturers, distributors and service businesses that land larger work than their cash on hand can carry. Sole proprietors can apply, and no tax returns are required. Funding can arrive in as little as 24 hours for qualified businesses, which helps when the start date is fixed.

Frequently Asked Questions

Can I get funding based on a contract I just signed?

The review centers on your business's deposits, obligations and credit. The contract helps explain the need and the plan for the funds, but it is not the basis of the offer by itself.

What costs can a new contract start cover?

Materials, equipment, mobilization, insurance, bonding costs, hiring and payroll until the client's first payment arrives.

How quickly can funds arrive?

In as little as 24 hours for qualified businesses. The application takes about 5 minutes and begins with a soft credit pull.

Is a line of credit better for a long contract?

Often, yes. A business line of credit lets you draw as costs come up over a long job, while a lump sum suits a big up-front purchase.

Will I know the cost before I commit?

Yes. The offer shows the full repayment amount and repayment schedule before you accept anything.

What if the client pays later than the contract says?

Late payment is common on larger contracts. Plan your request around a realistic payment date rather than the best case, and keep a buffer for payroll and materials so a slow client does not leave you short partway through the job.

Materials $60,000.00
Mobilization $25,000.00
Crew payroll $48,000.00
Equipment rental $16,000.00

Example uses for illustration only.

How to improve your chances

Bringing the right details makes a contract-start request faster to review.

  • Have the signed contract or award letter handy
  • Map out costs before the first client payment
  • Know the client's payment terms and billing dates
  • Keep project deposits in your business account

Contract start funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes online
Multi-week process
Documents
About 3 months of statements
Tax returns, financials, AR aging
Credit
FICO 500+ considered
Strong credit usually needed
Speed
As little as 24 hours if qualified
May miss your start date
First credit check
Soft pull
Hard pull

Start your next contract fully funded

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

Apply for Funding
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