Cover labor, materials and subs while pay apps and retainage work through the system. No tax returns, FICO 500+ considered.
Get My OfferConstruction Merchant Cash Advance
You bill monthly and get paid later, often minus retainage. We review your deposits and show the full cost before you accept.
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 5-minute application plus about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered and a soft pull to start. Steady draws count for a lot.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in the offer up front so you can line it up with pay app timing.
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 residential projects, a builder or subcontractor fronts labor, materials and equipment, then bills on a pay application. The owner or GC reviews it, approves it, and pays weeks later, often minus retainage that sits until closeout. Meanwhile, subs want to be paid and suppliers want their invoices cleared.
A merchant cash advance gives you cash now in exchange for a share of future receivables. We size it around what we see in your bank account, not around a bank's appetite for construction risk.
Sole proprietors can apply, and so can larger outfits with multiple crews.
About three months of business bank statements show us how draws and progress payments land. We also note obligations already pulling from the account. The application takes about five minutes, starts with a soft credit pull, and FICO 500+ is considered. No tax returns required.
Your offer shows the full repayment amount and the repayment schedule before you accept. No surprise costs get added after you sign.
An advance makes the most sense when it bridges a gap tied to a job that will pay. Ask yourself:
If you are deciding between products, see line of credit vs. merchant cash advance for construction or working capital for construction.
A drywall subcontractor lands two schools at once. Both GCs pay net forty-five on approved pay apps and hold retainage until closeout. Labor and board purchases for the first month land well before either check. The owner adds up four weeks of payroll and the first board delivery, then requests that figure instead of the most the account might support. That keeps the repayment schedule in the offer comfortable even if one GC pays late.
A larger contract can strain cash before the first pay app clears. Our construction big contract funding page covers that situation. When you are ready, start your application.
Many construction companies use an advance to cover costs while retainage is held. The offer is sized mainly on your deposits and existing obligations.
Funding runs from $25,000 to $5,000,000.
Funding can arrive in as little as 24 hours for qualified businesses.
Both can apply. We look at the deposits in your business account, whoever you bill.
Tax returns are not required. We start with about three months of business bank statements and a short application.
Example uses for illustration only.
A few steps help a construction file move smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding