Construction and Contractors Merchant Cash Advances

Construction projects rarely pay out as fast as costs arrive. You have to cover materials, subcontractors, equipment rentals, permits, and payroll long before progress payments or retainage are released. A merchant cash advance for construction company needs gives you quick access to working capital based on your future revenue, so you can keep jobs moving and crews on-site. When you need to get cash advance construction business funding in days instead of weeks, an MCA can be a practical tool.

Construction and Contractors Merchant Cash Advances

Our programs are designed for general contractors, subcontractors, and specialty trades that need fast, flexible capital. With a merchant cash advance for construction companies, you can pay suppliers, secure discounts on bulk materials, fix urgent equipment issues, or cover payroll between draws. Funds can typically be used for most business purposes connected to your projects and operations.

You receive capital upfront, then repay as a fixed percentage of your future card sales or bank deposits. That means payments naturally rise and fall with your cash flow, rather than a large fixed loan payment every month. Whether you run a small crew or manage several active sites, our construction-focused MCAs are meant to match the way your projects actually move.

Minimum Requirements for Construction MCA Funding

While every file is reviewed individually, most contractors who qualify for a merchant cash advance meet guidelines similar to these:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Construction Merchant Cash Advance Options

Working Capital Cash Advance for Contractors

This general-purpose option is designed to get cash advance construction business funding into your account

quickly. Use it for materials, fuel, rentals, permits, or other day-to-day project costs while you wait for progress payments.

Merchant Cash Advance for Construction Company Growth

Ideal for contractors taking on larger projects or multiple jobs at once. This merchant

cash advance for construction company expansion helps you hire extra crews, secure more inventory, or add equipment to meet new demand.

Fast Funding MCA for Contractor Payroll

Labor is often your largest and most urgent expense. This option focuses on fast funding MCA for contractor payroll,

helping you cover weekly or bi-weekly wages so crews stay on-site and projects stay on schedule.

Retainage and Change-Order Bridge MCA

When retainage or late change-order approvals tie up cash, this type of merchant

cash advance for construction companies helps you cover the gap so you are not forced to slow work or delay vendors.

MCA Programs for Contractors with Past Credit Issues

If your credit history is not perfect, you may still qualify for a smaller advance based more on current deposits and contract volume. With responsible use and on-time repayment, you may be able to unlock larger amounts in the future.

Construction & Contractor MCA Services

Construction work is unpredictable: weather delays, material price swings, inspection issues, and client changes can all hit cash flow at the worst moment. Our MCA services are built to help contractors navigate those ups and downs. Whether you handle residential remodels, commercial builds, or specialty trades, we focus on fast access to capital so you can focus on quality and deadlines.

The process is straightforward. You submit a short application along with recent bank or processor statements. We evaluate your revenue patterns and project stability, then present an advance amount and repayment structure. Once you accept, funds are deposited and your Construction and Contractors Merchant Cash Advances can be used for immediate needs like materials, payroll, or equipment. Repayment is automated from future receipts, helping you stay focused on running the job instead of chasing separate loan payments.

Who We Serve

Frequently Asked Questions

What is the process for getting a Construction and Contractors Merchant Cash Advance?

You complete a brief application and share recent bank or processor statements so we can review your revenue and deposit history. After we assess your business performance and project flow, we present a funding offer with an advance amount and repayment terms. Once you approve the offer, funds are deposited to your account, often much faster than with a traditional loan.

How are repayments structured on a merchant cash advance for construction companies?

Instead of fixed monthly installments, repayment is usually taken as a small percentage of your future card sales or bank deposits. On strong months, you pay back more; during slower periods, the amount collected decreases. This helps align your funding with real-world construction cash flow.

Can I qualify for a merchant cash advance if my credit score is low?

Often, yes. While personal credit is reviewed, merchant cash advances place significant weight on your current and recent revenue. Contractors with steady deposits and active projects may still be approved, even if their credit file has some past issues.

What are the eligibility requirements for a merchant cash advance for construction companies?

Most programs look for consistent monthly revenue, several months in business, and majority ownership in the company. You will also need to provide bank or processor statements so we can verify deposits and confirm that the advance amount and repayment rate are appropriate for your construction operation.

Construction and Contractors Merchant Cash Advances