Construction Business Funding in Toronto
Toronto's construction sector runs on one of North America's busiest condo, commercial, and infrastructure pipelines — and contractors carry materials, labour, and equipment for weeks before a progress draw clears. Y Millennial Funding gives Toronto 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 to make payroll, buy materials, or take on the next contract. Not all applicants qualify.
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How Toronto Construction & Contractors Businesses Use Our Funding
Cover payroll while waiting on a progress draw or holdback release.
Buy materials and rent equipment to start a newly awarded contract.
Bridge the gap between invoicing a GC and getting paid 60–90 days later.
Construction & Contractors in the Toronto Market
Key Business Districts
Major Transportation Routes
Frequently Asked Questions
Common questions about construction & contractors funding in Toronto.
Other Construction & Contractors Locations
Other Industries in Toronto
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
Toronto Business Funding
Construction & Contractors Resources
Get Pre-Qualified
Same-Day Decisions