Cash flow challenges every construction company faces
Upfront material costs
Lumber, steel and concrete must be purchased before work starts, often before the first draw is paid.
Slow draws and retainage
General contractors and owners may take 30–60+ days to pay, and retainage delays the final payment even longer.
Weather and scheduling delays
Delays push back payments while payroll and equipment costs continue.
Common uses of construction company funding
- Materials for new projects
- Crew payroll between draws
- Equipment rental or purchase
- Bonding and insurance costs
- Bidding on larger contracts
- Covering retainage gaps
Why merchant cash advances fit Construction
Contractors often have lumpy but strong revenue. Merchant cash advance funders review your average deposits over several months, so large but irregular payments can still support an approval.
Example: A commercial concrete contractor with $200,000 in average monthly deposits wins a $600,000 job requiring $80,000 in materials and labor before the first draw. A working capital advance can fund the startup costs. (Illustrative example only; actual offers depend on underwriting.)
Requirements for construction company funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.