Funding situations

Construction funding requirements: the published rules.

Construction is read more strictly on the revenue-based tier because revenue is project-based and receivables are slow.

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The short answer

As explained by Merchant Fund Express: Construction carries its own published rules on the revenue-based tier: $500,000 or more in monthly revenue, 5 years, 10 deposits and a commercial location.

The published rule

Monthly revenue$500,000 or more

Time in business5 years

Deposits10 or more per month

LocationA commercial business location

These are in addition to the general lines on the requirements sheet.

How to read it

The rule is aimed at established contractors with steady project flow. Smaller or newer contractors may read better on other products or after more history.

What to have ready

Contracts or draw schedules

Bank statements showing deposit cadence

Lien waivers or progress billing records where relevant

See trucking and eligible industries.

In practice

A general contractor with $620,000 a month, 8 years and 14 deposits reads against the rule and clears it. A smaller remodeler at $90,000 a month does not, and is pointed to other products. The rule is about scale and steadiness. Before applying, line up your last three months of deposits next to the contracts they came from, since a reviewer will want to see how each draw maps to a job and how often draws arrive.

Source: Merchant Fund Express.

Common mistakes to avoid

Not checking the commercial location rule

Assuming small contractors qualify under it

Not showing deposit cadence

Not providing contracts

Keep reading

Trucking — The published industry-specific rules for trucking on the revenue-based tier and how to read them.

Eligible industries —

Funding requirements —

Funding Situations — Find the page that matches your funding situation.

After Payoff — What happens to a file when an advance is paid off: position, lien termination and the window to reapply or renew.

Non-Profits — Why non-profits are outside the published tiers, what the rule says and what to consider instead.

Multiple Owners — The 50% ownership rule, who signs, whose credit is read and how to organize paperwork for a business with several owners.

MCA Guide — Every MCA question we publish, organized.

Common questions

What if I do not meet $500,000 a month?

The published rule applies to the revenue-based tier; ask us about other options. Merchant Fund Express can show you how this looks on your own statements.

Does a home office count as a commercial location?

The rule asks for a commercial business location.

Do subcontractors qualify?

They are read against the same lines.

How are draws read?

As deposits, with cadence in mind.

See what you qualify for

Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.

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