Funding for your situation
How a sole proprietor running a construction company is reviewed, which records matter most and what to fix before applying.
✓ Checking what you qualify for does not affect your credit score.
Being a sole proprietor does not close any doors for a construction company. It does mean the owner's credit and the business deposits are read together, so clean records matter. Weather, permitting and budget cycles move start dates around.
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.
A construction company file is read through contract backlog and billing schedule, receivable aging and retainage and equipment and bonding already in place.
Payments arrive by progress billing or net terms, often well after payroll and materials are paid. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a skid steer or mini-excavator repair or a truck repair can run $9,000 to $9,000 and interrupt revenue while it is down.
The documents that usually matter most for a construction company are the signed contract or schedule of values and recent invoices and aging report, alongside the bank statements.
Even without an LLC.
The same name and ID on documents and statements.
For a construction company: card, ACH and any cash deposited.
Truck and trailer or similar.
| Item | Value |
|---|---|
| Months of business deposits | 3 |
| Minimum FICO considered | 500 |
| Typical documents needed | 3 |
| Application time in minutes | 5 |
Why it works. The review is built on deposits and credit, not entity type. See funding for independent contractors and funding with a mixed personal and business account.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
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.
Yes. Sole proprietors can apply and the same products are available. Merchant Fund Express reviews the deposits and credit.
Not to apply. Whether to form one is a legal and tax decision with its own considerations.
Move business income through a business account and keep three months of clean statements.
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.
