Merchant Fund Express
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Merchant Cash Advance for Painting Contractors

A lump sum based on your deposits for paint, crew payroll and equipment. Apply in 5 minutes, no tax returns, FICO 500+ considered.

Get My Advance

Merchant Cash Advance

Keep crews painting while invoices catch up

Paint and labor get paid before the customer does. An MCA sized from your bank deposits helps you carry several jobs at once without draining the account.

As fast as
24 hours

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.

Why painters choose our MCA

Quick to apply, light on paperwork

A 5-minute application and about three months of business bank statements. Decisions move fast.

Credit is not the only factor

FICO scores from 500 are considered. Your business deposits carry real weight.

The full payback shown first

Your offer states the full repayment amount before you accept, with no surprise costs after you sign.

A schedule you can see

Your repayment schedule is laid out in the offer up front, so you can plan job by job.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The gap between the first coat and the final check

Painting is a cash-out-first trade. You buy paint, primer, caulk and masking supplies, pay a crew for a week or two, maybe rent a lift, and the customer pays when the walk-through is done. Commercial jobs can stretch that wait further. Run three or four jobs at once and the gap gets wide fast.

A merchant cash advance for painting contractors gives you a lump sum based on your business deposits, so you can keep crews working while invoices catch up.

How an MCA works with us

An MCA is an advance against your future receivables. Instead of a bank-style loan, it is sized from the revenue moving through your business bank account. Here is the process:

  1. Apply online in about 5 minutes. A soft credit pull starts things.
  2. Upload about three months of business bank statements. No tax returns.
  3. Review an offer that shows the full repayment amount and the repayment schedule before you accept.
  4. Funding can arrive in as little as 24 hours for qualified businesses.

Where painters put an advance to work

Taking on a project bigger than usual? Our big contract funding for painters page covers that situation.

Is an MCA the right tool?

An MCA suits a one-time need with a clear amount. If your needs come in waves through the year, compare it with a business line of credit for painting contractors. Our line of credit vs. MCA comparison lays out the tradeoffs side by side. Before you accept any offer, check that the payments fit your slower months, especially if winter interior work is lighter for you. Taking only what the job needs keeps your obligations manageable.

Who can apply

We work with established painting contractors that have steady deposits, from residential repaint companies to commercial crews. FICO scores from 500 are considered, sole proprietors can apply, and funding ranges from $25,000 to $5,000,000 depending mainly on your deposits and existing obligations. Apply now.

Frequently Asked Questions

How much can a painting contractor get with an MCA?

It depends mainly on your deposits and existing obligations. Funding with us ranges from $25,000 to $5,000,000.

Do I need tax returns?

No. We review about three months of business bank statements.

What if my customers pay slowly?

That is common in painting. We look at your deposit pattern over time, and your offer lays out a repayment schedule up front so you can plan around slow-paying jobs.

Will I know the total cost before I accept?

Yes. Your offer shows the full repayment amount, with no surprise costs after you sign.

Can a one-person painting business apply?

Yes. Sole proprietors can apply as long as the business has steady deposits.

Bulk paint order $18,000.00
Crew payroll $24,000.00
Boom lift rental $8,500.00
Spray rig $11,000.00

Example uses for illustration only.

How to improve your chances

These steps help us size an MCA for your painting business.

  • Deposit all job payments into one business account
  • Keep a list of open jobs and expected payment dates
  • Note any slow-paying customers in your statements
  • Apply for the amount the job needs, not the maximum

Our MCA vs. a bank loan for painters

Merchant Fund Express
Traditional bank loans
Based on
Your business deposits
Credit, collateral, history
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit required
Speed
As little as 24 hours
Often weeks
Sole proprietors
Can apply
Often a tougher path

Fund your next job before the paint is dry

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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