Contractor & Construction Company Cash Advances

Fast, Flexible Funding for Construction & Contracting Businesses

Contractors and construction business owners know that cash flow is everything. From buying materials to covering payroll between projects, having working capital on hand can keep your business running smoothly—even when customer payments are delayed. That’s why many contractors are turning to Merchant Cash Advances (MCAs)—a flexible, fast financing option built for the real-world challenges of the trades.

What is a Merchant Cash Advance for contractors?

A Merchant Cash Advance is a business financing solution where your company receives a lump sum of capital upfront, in exchange for a portion of future business revenue. Instead of fixed monthly payments, repayments are made automatically as a percentage of your daily or weekly deposits—making it perfect for contractors with fluctuating income. This structure makes MCAs ideal for contractors who need fast business funding but don’t want the delays or strict qualifications of a traditional loan.

How does a Merchant Cash Advance work for contractor businesses?

It’s quick and straightforward:

• 1. Apply online with basic business information and recent financials
• 2. If your business has been operating for at least 1 year and earns at least $25,000/month, you could get approved within 24 hours
• 3. Once approved, funds are deposited directly into your business account—often by the next business day
• 4. Repayments are automatically deducted based on your revenue

This means no fixed monthly payments, and no stress if cash flow slows down for a week or two.

Why do contractors use Merchant Cash Advances?

Contractors often deal with delayed payments, upfront material costs, and seasonal slowdowns. A Merchant Cash Advance offers:

• Fast access to capital—typically within 1–2 business days
• No collateral required—you don’t risk your equipment or assets
• Flexible repayment—payments scale with your revenue
• Low documentation—get approved without years of tax returns or perfect credit

Whether you’re handling a surge in new projects or covering payroll while waiting on invoices, contractor business funding through an MCA can bridge the gap.

What can I use a Merchant Cash Advance for as a contractor?

Funds can be used for virtually any business need, including:

• Buying building materials and supplies
• Hiring subcontractors or labor
• Purchasing or leasing tools and equipment
• Covering payroll or insurance premiums
• Funding new project bids or marketing efforts
• Managing cash flow while waiting for client payments

It’s a powerful way to stay competitive and keep projects moving.

What are the minimum requirements to qualify?

To qualify for a construction company cash advance or contractor MCA, you’ll need:

• At least 1 year in business
• Minimum of $25,000 in monthly revenue
• Steady cash flow from customer payments or card transactions
• U.S.-based business

Credit score isn’t a dealbreaker—approvals are based more on your business performance and cash flow.

How much funding can contractors receive?

Most contractors qualify for $10,000 to $500,000, depending on your revenue, time in business, and repayment history. If you have solid bank deposits and consistent project work, you may qualify for higher amounts—even with less-than-perfect credit.

What’s the cost of a Merchant Cash Advance?

Instead of traditional interest, MCAs use a factor rate—usually between 1.2 and 1.5. For example, if you receive $50,000 at a 1.3 factor rate, you’ll repay $65,000. Payments are taken from your revenue automatically, so there’s no due dates, no late fees, and no surprises.

Do Merchant Cash Advances work for subcontractors or small trade businesses?

Yes. Whether you’re a general contractor, HVAC technician, electrician, plumber, or landscaping business owner, MCAs are a great option if you meet the minimum revenue and time-in-business requirements. They’re designed for businesses that earn steady income but can’t wait weeks for a traditional loan.

How do I get started with a Merchant Cash Advance for my contracting business?

You can apply in just minutes:

• 1. Fill out a short online application
• 2. Submit recent bank statements
• 3. Get approved within 24–48 hours
• 4. Receive funding directly into your account—often the next business day