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 12-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 in Toronto.
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.
Why Construction & Contractors Businesses in Toronto Use Funding
Toronto's GTA building boom keeps general contractors and subtrades constantly stretched: progress billing, the 10% statutory holdback under Ontario's Construction Act, and slow-paying GCs leave even busy firms short on cash between draws.
Electricians, framers, HVAC, concrete, excavation, and finishing trades across the GTA front labour and materials and wait 30 to 90 days — plus holdback — to be paid. Revenue-based funding advances against the deposits already hitting your account so you can keep crews working.
Local challenges
Contractors in Toronto fund materials, mobilization, and crew payroll well before the first progress payment lands, and retainage holds back part of the job long after it closes. Banks underwrite slowly against equipment and receivables that are already committed. In Toronto this plays out across Financial District, Liberty Village, Queen West — where operating costs move faster than payment cycles.
Construction & Contractors in the Toronto Market
Key Business Districts
Major Transportation Routes
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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
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