Merchant Fund Express
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Big Contract Funding for Plumbing and HVAC

Cover materials, crew and mobilization on a large job before the first draw. Apply in 5 minutes with bank statements.

Fund the Job

Contract Mobilization Funding

Take the big job without draining your service side

Large contracts front-load costs and hold back retainage. We fund the gap based on your deposit history so the job and your daily calls both stay on track.

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.

Contract funding that fits how jobs pay

Fast and simple

A 5-minute application and about three months of statements. Qualified shops can be funded in as little as 24 hours.

Flexible credit review

FICO 500+ is considered. Your deposit history carries real weight.

Total repayment shown first

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Schedule set in the offer

The repayment schedule is laid out up front, so you can line it up with pay applications.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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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.

You won the bid. Now you have to float it.

Landing a big commercial build, a multifamily rough-in or a school's mechanical retrofit is great news. It also means buying rooftop units, ductwork, pipe and fixtures, adding crew and maybe renting a lift, all before the first progress payment. Then there's retainage held until the end. Funding for a big contract bridges the gap between mobilization and the draws so you can take on the work without starving your service side.

Where the cash goes first

How we size contract funding

We don't underwrite on the contract value. We look at about three months of business bank statements to see your regular deposits and existing obligations, since those drive how much funding makes sense. For illustration, a shop with steady monthly deposits might request enough to cover mobilization and the first month of materials, letting the first draw carry the next phase.

FICO 500+ is considered. No tax returns are required. Sole proprietors can apply.

Matching funding to the job

Working capital fits a defined mobilization cost. A business line of credit lets you draw as each phase starts. If the job requires new equipment, look at equipment financing. Every offer shows the full repayment amount and repayment schedule before you accept. Line that schedule up against the contract's pay applications so repayment and draws work together.

Start with our 5-minute application. Qualified contractors can be funded in as little as 24 hours.

Frequently Asked Questions

Do you fund based on the contract amount?

No. We underwrite mainly on your bank statements, looking at deposits and existing obligations. The contract helps you plan how much you need.

Can funding cover retainage?

Yes. Working capital can fill the gap while retainage is held until closeout.

Is this only for commercial jobs?

No. It can cover any large job, such as a multifamily project, a new-construction tract or a big service agreement, where costs come before payment.

How soon can I mobilize?

Qualified businesses can be funded in as little as 24 hours after approval.

Will taking a big job hurt my service business?

That's the risk funding helps avoid. Covering mobilization separately keeps service-side cash available for daily operations.

What should I have ready before I apply for contract funding?

Have about three months of business bank statements, a rough budget for mobilization, and the payment schedule from the contract. Knowing when each draw is expected and how much retainage will be held lets you ask for an amount that covers the real gap instead of guessing. List any truck notes or other financing you already carry, since existing obligations affect the amount that makes sense.

Rooftop units $120,000.00
Rough-in materials $55,000.00
Lift rental $8,500.00
Added crew $42,000.00

Example uses for illustration only.

How to improve your chances

Get a clearer picture of the job's cash needs before you apply.

  • Map material orders against the job schedule
  • Note retainage terms and payment timing
  • Price rentals and added labor separately
  • Keep service and contract deposits in one business account

Contract funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Basis
Your bank deposits
Full financials and collateral
Documents
About 3 months of bank statements
Tax returns and contract review
Credit
FICO 500+ considered
Strong credit required
Speed
As little as 24 hours if qualified
Weeks, may miss start date
Application
5 minutes
Long underwriting

Mobilize on time for your next big job

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

Apply for Funding
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