Merchant Fund Express
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Construction funding

Next-day funding for construction: cover the gap before the draw lands.

Crews are paid weekly. Draws arrive on a schedule you do not control. Working capital bridges the two.

✓ Checking what you qualify for does not affect your credit score.

The short answer

Construction and trades businesses can get funding from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours for qualified businesses. We read about three months of business bank statements.

Amounts$25,000 to $5,000,000
SpeedDecisions move fast; funding in as little as 24 hours for qualified businesses
PaperworkAbout three months of business bank statements, no tax returns
CreditFICO 500+ considered; deposits and time in business carry the weight

Where contractors use the money

Payroll between draws

Crews are paid weekly while progress payments arrive on net terms.

Materials and mobilization

Suppliers want payment up front, and a new job needs deposits and rentals.

Equipment

Repairs or a replacement truck cannot wait for the next payment.

Insurance and bonding

Premiums and bonds are due before the job pays.

What is not eligible

Some categories are restricted regardless of the numbers, including new residential construction and residential remodeling. Commercial, specialty and service trades are the best fit. Check construction qualification before you apply.

What a funder reads

Deposit pattern across jobs
Time in business
Existing advances or loans and their payments
Backlog and customer mix where you can show it

See same-day funding for construction.

How to apply

About three months of business bank statements
Your business name, address and time in business
Basic owner information
A list of any existing advances or loans, with the payment amounts

The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day.

Common questions

Do you fund residential remodeling?

No. Residential remodeling and new residential construction are not eligible.

How fast can a contractor be funded?

Funding can arrive in as little as 24 hours for qualified businesses.

Do I need tax returns?

No.

Can I apply with a lower credit score?

FICO 500+ is considered.

Can sole proprietors apply?

Yes.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

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