Construction Business Funding in New York City
New York City construction runs on a relentless commercial and residential pipeline, and contractors carry materials, labor, and equipment for weeks before a progress payment or retainage clears. Y Millennial Funding gives NYC construction and trade businesses revenue-based capital structured as a merchant cash advance — not a loan — underwritten on your bank deposits rather than collateral. If your business does $50,000 or more a month and has six-plus months of history, you can get a same-day decision and funding commonly within 24 to 72 hours. Not all applicants qualify.
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How New York City Construction & Contractors Businesses Use Our Funding
Cover payroll while waiting on a progress payment or retainage release.
Buy materials and rent equipment to start a new job.
Bridge the gap between invoicing a GC and getting paid.
Construction & Contractors in the New York City Market
Key Business Districts
Major Transportation Routes
Frequently Asked Questions
Common questions about construction & contractors funding in New York City.
Other Construction & Contractors Locations
Other Industries in New York City
Helpful Tools
Free resources to help you understand and plan your merchant cash advance.
Eligibility Checker
5-minute pre-qualification assessment with no credit pull.
MCA Calculator
Estimate payments, factor-rate cost, APR, and term length.
Stacking Calculator
Analyze capacity for multiple MCA positions.
How MCA Works
Learn the mechanics and process.
MCA Disclosures
Important terms and information.
Related Resources
New York City Business Funding
Construction & Contractors Resources
Get Pre-Qualified
Same-Day Decisions