Funding for your situation
How a construction company with several advances can see the combined debit, what restructure options exist and what they change, with a worked example.
✓ Checking what you qualify for does not affect your credit score.
Several advances on one account add up faster than any single one suggests. For a construction company, payments arrive by progress billing or net terms, often well after payroll and materials are paid. Three daily debits can take a larger share of deposits than the owner realises until a slow week arrives.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Weather, permitting and budget cycles move start dates around. For a construction company, that rhythm decides when a funding request reads best and how it should be repaid.
What it looks like on the ground: a signed contract sits on the desk, but payroll and materials are due before the first draw.
Compliance touchpoints for a construction company often include contractor license and bonding, which can come up when the request involves a new site, a purchase or a significant change.
A construction company file is read through contract backlog and billing schedule, receivable aging and retainage and equipment and bonding already in place.
| Item | Illustrative amount |
|---|---|
| Advance A, taken for truck and trailer (weekly debit, illustrative) | $1,000 |
| Advance B, taken for a skid steer or mini-excavator repair (weekly debit, illustrative) | $500 |
| Advance C, taken for crew payroll and materials float (weekly debit, illustrative) | $500 |
| Combined weekly debit | $2,000 |
| Average weekly deposits at a construction company (illustrative) | $6,500 |
| Combined debit as a share of weekly deposits | about 31% |
How this is read. A funder looks at the combined debit, the negative days and the average daily balance. For a construction company, weather, permitting and budget cycles move start dates around. Replacing several positions with one payment is what a MCA buyout or MCA refinance is built to do, when the balances and the file allow it.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Balance, debit size and payment history for each, including what each was taken for: truck and trailer, a skid steer or mini-excavator repair or cash flow.
The single number that matters most.
Payments arrive by progress billing or net terms, often well after payroll and materials are paid.
The payment shape and term, not the amount owed.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Sometimes. A MCA buyout for positions with balances of $100,000 or less, a refinance or reverse consolidation may fit, depending on the file. Merchant Fund Express will say plainly which apply.
No. It changes the payment shape and term. Always compare the new total with what is left on the old positions.
There is no single number. It depends on the combined debit and how the account behaves. See existing positions and stacking.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
