Working capital for materials and payroll between draws, lines of credit for recurring gaps, and equipment financing for machines. Funders review deposits and active contracts.
Check my optionsConstruction
Construction cash flow is shaped by bids, deposits, progress draws, retainage and slow-paying general contractors. The funding that works is the funding built around those cycles rather than against them.
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.
A human reads the file, not just an algorithm score.
Net cash, total payback and payment shown before you sign.
Your file goes to funders that fit it, so offers can be compared.
You can apply at 500; stronger credit opens more products.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Residential remodelers often collect a deposit, then progress payments, which can cover materials if the schedule is tight. Commercial subcontractors usually wait for monthly pay applications, paid 30 to 60 days later, with 5% to 10% retained until project close. Specialty trades such as roofing, HVAC and electrical see heavy seasonal swings. Each pattern needs a different mix of tools.
For recurring gaps between draws, a line of credit is the most efficient tool if you qualify, since you pay only on the balance used. For equipment, from skid steers to service vans, equipment financing spreads cost over the asset life. For a sudden need, such as a large material order for a job that starts next week or payroll during a slow-paying stretch, revenue-based funding sized on bank deposits can arrive the next business day, with credit from 500 considered.
Funders do evaluate construction carefully. They look at deposit consistency across seasons, concentration in a few customers and whether the work is residential or commercial. Some funders apply tighter criteria to certain segments, such as residential remodeling, so comparing several through one marketplace application helps you find the ones whose criteria fit your trade.
Protect your margin by pricing funding into bids when you know a job will need it, and ask for weekly payments that align with your billing cycle. Keep lien waivers, contracts and pay applications organized; they make underwriting faster and support larger offers.
MFE works with contractors across trades and can show advance, line-of-credit and second-position options together.
Here is an advance sized for a contractor bridging a materials order. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $64,000 |
| Fees deducted at funding (2%) | $1,000 |
| Net cash you receive | $49,000 |
| Weekly payment over 32 weeks | $2,000 |
| Same total as daily debits (~160 business days) | $400/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Deposits and progress payments | Short advance for timing gaps |
| Monthly commercial draws | Line of credit |
| Retainage held | Reserve or line of credit |
| Equipment and vans | Equipment financing |
| Seasonal swings | Funding timed before the season |
Good fit:
Probably not yet:
It depends on the cash pattern: lines for recurring gaps, equipment financing for machines, advances for sudden needs.
Yes, funders look at deposits across several months and seasons.
Some do; criteria vary by funder, so compare several.
When you know a job will need it, yes, to protect your margin.
Revenue-based options begin at 500.
Many funders offer weekly schedules; ask for one that fits your billing.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding