Bridge slow draws and retainage, or fund one big push. Compare both options with a 5-minute application and funding from $25,000.
See My OptionsConstruction Funding Comparison
A revolving line and a lump-sum advance solve different construction cash problems. Here is how to tell which one you have.
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.
Apply in 5 minutes with about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft credit pull starts the process so you can review options first.
Every offer shows the full repayment amount before you accept, with no surprise costs after signing.
Repayment is laid out in the offer up front, so you can map it against your draw calendar.
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.
On most commercial and municipal work, you get paid on a draw schedule and a slice is held back as retainage until closeout. Meanwhile subs, suppliers and your own crew want to be paid now. Builders bridge that gap in different ways, and two of the most common are a business line of credit and a merchant cash advance.
With a line, you have a limit you can tap whenever a draw runs late, then repay when it lands. Because the limit refreshes, it can serve job after job. It fits general contractors and specialty trades with several projects overlapping, where the timing of each payment is hard to predict.
Typical uses include supplier invoices, mobilization on a new job, and payroll during inspection holdups. Details are on our business line of credit for construction page.
An advance delivers a lump sum, repaid from future revenue. It makes sense when you know what you need and need all of it now, such as bonding collateral expenses for a bigger bid, staffing up for a large contract, or replacing a skid steer that failed. See merchant cash advance for construction, or funding for big construction contracts if a single job is driving the need.
| Line of credit | Merchant cash advance | |
|---|---|---|
| How funds arrive | Draw as needed | One lump sum |
| Best for | Ongoing timing gaps | A defined project or purchase |
| Reuse | Available again after repayment | Apply again for new funds |
| Offer details | Full repayment and schedule shown before you accept | Full repayment and schedule shown before you accept |
Merchant Fund Express funds from $25,000 to $5,000,000 for established construction businesses with steady deposits. We start with a soft credit pull and a 5-minute application, review about three months of business bank statements, and do not require tax returns. FICO 500+ is considered and sole proprietors can apply. Funding can land in as little as 24 hours for qualified businesses. Apply now to see which structure fits your pipeline.
Funders look at the deposits that actually hit your account. Retainage that has not been released yet will not show up there, so your offer is based on the cash flow you do receive.
It depends on your deposits and existing obligations. Taking on more than your cash flow supports is risky, so we look at the whole picture before making an offer.
Swings are normal in construction. We review a few months of statements to understand the pattern, which shapes the amount and structure offered.
Sometimes. If the main need is a specific machine, equipment financing is worth comparing alongside an advance.
About 5 minutes, with a soft credit pull to start and about three months of bank statements.
Example uses for illustration only.
Builders who prepare these items usually move through review faster.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding