Construction Business Funding & Merchant Cash Advance
Fast working capital for contractors and construction companies nationwide. Bridge cash flow gaps — minimal paperwork, funded in as little as 24–72 hours.*
Common Challenges in Construction
We understand the unique cash flow challenges that construction businesses face — and we're built to solve them with you.
Long Payment Cycles
Construction contracts often have net-30, net-60, or even net-90 payment terms, creating significant cash flow gaps while you're still covering ongoing job costs.
Upfront Material Costs
Materials, lumber, concrete, and supplies must be purchased before the project starts — often before you've received any client payment.
Equipment Needs
Purchasing, renting, or repairing heavy equipment is one of the largest expense categories for construction businesses of any size.
Payroll Pressure
Workers need to be paid on time regardless of where you are in the billing cycle — creating ongoing payroll pressure between project milestones.
Bonding & Insurance
Securing performance bonds and maintaining adequate insurance coverage requires significant capital that competes with operational needs.
Growth & New Bids
Winning and mobilizing on new projects requires capital for upfront costs — well before any revenue from that project arrives.
How Construction Businesses Put Their Funding to Work
A merchant cash advance gives you the flexibility to deploy capital exactly where your business needs it most.
- Purchase materials and supplies for active projects
- Cover payroll between project milestone payments
- Rent, purchase, or repair heavy equipment
- Fund bonding, permits, and insurance premiums
- Bridge cash flow gaps during payment delays
- Mobilize resources for new project wins
- Expand your fleet of trucks or machinery
Funding at a Glance
- Funding Amount
- $500K+
- Approval Time
- 24 Hours
- Funding Speed
- 24–48 Hours
- Collateral
- Not Required
- Credit Check
- All Backgrounds
Simple Qualification Requirements
We focus on your business performance — not just your credit score.
- 6+ months in business
- Minimum $10,000 monthly revenue
- Active business bank account
- US-based construction business
- All credit backgrounds considered
- No collateral required
Further Reading & Resources
External sources providing data and context about construction business financing.
Ready to Fund Your Construction Business?
Apply in minutes. Get approved fast. Receive funding in as little as 24 hours.*