How fast can a DC contractor get funded?

Eligible applications with complete documentation typically receive a decision the same business day, with funding possible within 24-72 hours after underwriting and a signed agreement. Not all applications result in funding offers.

Should I use an MCA or construction factoring?

Revenue-based funding (an MCA) gives a lump sum for a specific need like mobilization or equipment; construction factoring advances against approved progress billings and scales with your billings. Many DC contractors use both.

Can a DC contractor with credit issues qualify?

Credit is not the primary factor. Our underwriting weights revenue, receivables, and bank-statement strength. Bankruptcies, judgments, and prior MCA defaults remain material to underwriting.

Do you fund contractors on federal projects?

Yes — through construction factoring on approved progress billings and government contract factoring on agency invoices, plus revenue-based funding. Not all applicants qualify.

Business Funding/Construction & Contractors/Washington

Construction & Contractor MCA Funding in Washington, DC

Washington, DC contractors work a steady pipeline of federal, institutional, commercial, and residential projects — but pay crews and buy materials up front while GCs and agencies pay in 30 to 90 days. Y Millennial Funding is a direct funder serving DC contractors doing $50K or more in monthly revenue, offering revenue-based funding and construction factoring, approved on revenue and receivables rather than credit alone. An MCA is not a loan; it is the purchase of future receivables. Not all applicants qualify.

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How Washington Construction & Contractors Businesses Use Our Funding

Fund mobilization and equipment on a newly awarded contract before the first payment lands.

Cover payroll and materials while GCs and agencies pay on net-30/60/90 terms.

Bridge retainage and prevailing-wage timing on public projects.

Construction & Contractors in the Washington Market

Key Business Districts

Downtown/K StreetCapitol HillGeorgetownthe Navy Yard/Capitol Riverfrontthe Golden TriangleNoMa

Major Transportation Routes

I-95I-495 (the Capital Beltway)I-395I-295DC-295US-50I-66 (nearby)

Frequently Asked Questions

Common questions about construction & contractors funding in Washington.

Other Construction & Contractors Locations

Tampa, FL Jacksonville, FL Miami, FL Orlando, FL Fort Lauderdale, FL St. Petersburg, FL Cape Coral, FL Hialeah, FL

Other Industries in Washington

Government Contract Factoring Funding Construction Factoring & Contractor Receivables Funding Funding Security Guard Company Factoring Funding Janitorial & Commercial Cleaning Factoring Funding Staffing & Recruiting Agencies Funding Restaurants & Food Service Funding Healthcare & Medical Practices Funding

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, remittance, 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

Washington Business Funding

Construction & Contractors Resources

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Same-Day Decisions

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(855) 774-6461

Mon–Fri, 9AM – 6PM EST

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