How does funding help with the gap between paying crews and getting paid?

This is the core reason construction businesses use revenue-based funding. General contractors typically pay subcontractors and crews 30 to 60 days after invoicing, while owner and developer payments arrive 30 to 90 or more days out — and materials often must be paid for upfront. Funding bridges that receivables timing gap, providing working capital to keep projects moving while waiting for progress payments. Remittance is a percentage of revenue, so it aligns with how project money actually arrives. Approval depends on revenue patterns, time in business, and other underwriting factors.

Can I get funding to purchase materials or equipment for a project?

Yes. Material and equipment purchase ahead of project mobilization is one of the most common construction funding scenarios. Materials such as steel, concrete, lumber, and specialty components often require deposits or full payment weeks before the first progress payment arrives. Funding bridges that gap. It can also cover equipment purchase and repair. Approval depends on revenue patterns, time in business, and other underwriting factors.

Can you fund project mobilization when I win a new contract?

Yes. Winning a new contract often means mobilization costs — crews, equipment, materials, permits, bonds — must be covered before the first progress payment arrives. That timing gap is a common funding scenario. Funding can provide mobilization capital so a contractor can take on a project rather than turning it down for lack of working capital. Approval depends on revenue patterns, time in business, surety bond standing where relevant, and other underwriting factors.

Do you fund subcontractors and specialty trade contractors?

Yes. We evaluate the full range of construction businesses — general contractors, electrical and mechanical subcontractors, plumbing and HVAC contractors, concrete contractors, framers, roofers, site work and grading contractors, demolition contractors, and other specialty trades. Subcontractors face the same payment-timing pressure as general contractors plus their own equipment investment needs. Approval depends on revenue patterns, time in business, licensing standing, and other underwriting factors.

Can you fund a construction business with credit issues?

We underwrite based on revenue patterns and bank statement strength rather than credit score or hard collateral alone. An established contractor with consistent project revenue can be evaluated regardless of credit issues from prior business cycles, material cost volatility, or seasonal slowdowns. Approval depends on revenue patterns, time in business, deposit consistency, licensing and bonding standing, existing financial obligations, and other underwriting factors. Not all applicants qualify.

How fast can a construction business receive funding?

Eligible applications submitted with complete documentation typically receive a decision the same business day, with funding often available within 24 to 72 hours after underwriting is complete and a funding agreement is signed. Speed matters when a material order or mobilization timeline is tight. Actual timing depends on documentation completeness, deal complexity, and banking processing times. Not all applications result in funding offers.

What documents do I need to apply for construction business funding?

A typical application requires recent business bank statements — often the last 3 to 6 months — along with basic business information and identification. Because we underwrite primarily on revenue patterns and bank statement strength, bank statements are the central document. Additional items such as licensing or bonding information may be requested depending on the situation. Complete, recent documentation is the biggest factor in a fast decision. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

How much funding can a construction business get?

Funding amounts depend on the business's revenue. Construction funding deals commonly range from around $15,000 for smaller contractors covering a material or working capital need, up to $300,000 or more for established contractors funding mobilization or expansion. The amount, remittance percentage, and term depend on revenue patterns, time in business, deposit consistency, existing financial obligations, and other underwriting factors. We typically evaluate construction businesses generating $25,000 or more in monthly revenue.

Do I need good credit to get a construction business loan?

Not necessarily. Unlike traditional bank lending, which leads with the credit score, our underwriting is based primarily on revenue patterns and bank statement strength. An established contractor with consistent project revenue can be evaluated even with credit issues that would lead to an automatic bank decline. Credit may be one factor among several, but it is not the deciding gate. Approval depends primarily on revenue patterns, time in business, licensing standing, deposit consistency, and other underwriting factors.

Can a newer construction business get funding?

It can be more challenging. Most funding requires a minimum time in business — commonly around 6 months — with consistent revenue, because underwriting is based on demonstrated revenue patterns. A contractor operating only a few weeks typically does not yet have the track record to evaluate. A construction business operating for 6 months or more with steady project deposits is in a much stronger position. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors.

Can funding cover payroll during slow-paying project phases?

Yes. Payroll is one of the most common uses of construction funding. Crews must be paid on schedule even when owner or developer payments are running 30 to 90 or more days behind, and funding provides working capital to bridge that gap. Remittance flexes with revenue, fitting the uneven payment timing of project work. Approval depends on revenue patterns, time in business, and other underwriting factors.

How does repayment work for construction funding?

Repayment, more accurately called remittance, is structured as a percentage of revenue rather than a fixed monthly loan payment. It is typically collected through ACH on a daily or weekly basis. Because it is a percentage of revenue, the amount flexes with how the business performs and with the timing of project payments. This structure is designed to align with the uneven, milestone-driven cash flow that is normal in construction. A merchant cash advance is not a loan; it is the purchase of future receivables.

What can construction business funding be used for?

Funding is general business capital and can be used for virtually any construction business purpose — materials, equipment purchase and repair, project mobilization, crew payroll, permits and bonds, fuel, or working capital to bridge the gap between paying crews and receiving owner payments. There is no restriction tied to a specific use; what matters for approval is the revenue of the business. Approval depends on revenue patterns, time in business, and other underwriting factors.

Can you provide contractor financing while waiting on retainage or final payment?

Yes. Retainage — the portion of a contract held back until completion — and slow final payments are a common reason contractors run short on working capital even on profitable jobs. Contractor financing structured as revenue-based funding can bridge that gap, providing capital for materials, payroll, equipment, and mobilization on the next job while earlier payments are still outstanding. It is underwritten on revenue patterns and bank statement strength rather than credit score or the value of held-back receivables, and remittance is a percentage of revenue so it flexes with billing cycles. Approval depends on revenue patterns, time in business, deposit consistency, and other underwriting factors. Not all applicants qualify.

Industry Funding

Contractor Financing & Construction Business Loans for General Contractors and Trades

Contractor financing and construction business loans address the timing problem at the center of every construction business: materials and crew payments come due immediately, while owner and developer payments arrive 30, 60, or 90 days later. Mobilization for a new contract — crews, equipment, materials, permits, bonds — all has to be covered before the first progress payment. That structural gap between money going out and money coming in is the central financial challenge of construction, and it is what traditional bank lending often struggles to bridge. Y Millennial Funding provides contractor financing and revenue-based construction business loans for the full range of construction businesses — general contractors, electrical and mechanical subcontractors, plumbing and HVAC contractors, concrete contractors, framers, roofers, site work and grading, demolition, and other specialty trades — doing $25,000 or more in monthly revenue. We are a direct funder, not a broker, and we underwrite based on revenue patterns and bank statement strength rather than credit score or hard collateral alone. Funding is structured as a percentage of revenue, so remittance flexes with how project payments actually arrive. Contractors use this financing for materials and equipment purchase, for project mobilization on a new contract, for crew payroll while waiting on progress payments, for fuel and operating costs, for permits and bonds, for equipment repair, and for working capital through any period when payroll exceeds collections. Decisions are fast, which matters when a material order or a mobilization timeline is tight. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, licensing and bonding standing, and other factors.

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Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.

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No obligation. No credit impact.

Why MCA Works for Construction & Contractors

Merchant cash advance underwriting evaluates construction businesses on revenue patterns and bank statement strength rather than credit score, debt-to-income ratio, or hard collateral. For construction businesses, this means a contractor with consistent monthly revenue from active projects can be evaluated based on actual deposit patterns regardless of credit issues, equipment debt, or balance sheet complexity. Daily or weekly ACH remittance scales with actual revenue activity — slower draw weeks remit less, payment weeks accelerate payoff. This structure aligns with how construction businesses actually generate revenue: irregular but predictable cash flow tied to project milestones. An MCA is not a loan; it is the purchase of future receivables.

Common Construction & Contractors Challenges We Address

Project draw delays creating payroll cash flow gaps; material cost volatility (lumber
steel
concrete
copper); equipment financing competing with working capital needs; bonding requirements for larger projects; subcontractor payment timing creating cascade effects; weather and seasonal disruption; permit delays affecting project starts; insurance premium increases; lien complexities and payment disputes; skilled labor shortages and rising wages

How Construction & Contractors Businesses Use Their Funding

MCA funding is commonly used by construction businesses for payroll bridges between project draws; material purchases requiring upfront payment before billing; equipment repairs and emergency replacements; mobilization costs for new projects; bonding collateral for larger contracts; subcontractor payments to keep crews working; permit fees and bond costs; tool and small equipment purchases; office and yard improvements; expansion into new project types or markets. Use cases described are illustrative; eligibility and approved amounts are subject to underwriting.

Why Banks Say No to Construction & Contractors

Construction businesses present multiple challenges traditional lenders may struggle to underwrite. Project-based revenue creates lumpy cash flow that doesn't align with monthly fixed loan payments. Draw schedules can be delayed by weeks or months due to inspection issues, weather, or general contractor disputes — leaving subcontractors carrying payroll without offsetting revenue. Equipment-heavy balance sheets with depreciating assets reduce attractiveness for asset-based lending. Bonding and insurance complexity adds documentation requirements traditional lenders find difficult to evaluate. Many contractors have credit events from prior business cycles, lien disputes, or personal financial pressure during slow seasons. Project pipelines that are visible to industry insiders aren't easy for bank underwriters to assess. Multi-state and multi-jurisdiction operations add licensing and tax complexity that slows traditional lending.

Why Construction & Contractors Businesses Choose Us

Bridge funding between project payments
Material purchase financing
Payroll coverage for large crews
Equipment acquisition and rentals

Material Purchases

Buy materials upfront to secure better pricing.

Payroll Bridge

Cover payroll while waiting for project payments.

Equipment Needs

Purchase or rent equipment for new projects.

Industry Terms We Understand

Draw schedule, change order, RFI (request for information), submittal, punch list, AIA billing (G702/G703 forms), retainage, mechanic's lien, payment bond, performance bond, GMP (guaranteed maximum price), CPM (critical path method), takeoff, scope of work, subcontractor agreement, lien waiver, certificate of insurance (COI), mobilization, demobilization, soft costs, hard costs, GC (general contractor), CM (construction manager), field office, punch out, substantial completion, certificate of occupancy (CO), as-built drawings, prevailing wage, pay-when-paid, pay-if-paid, conditional and unconditional lien releases

Frequently Asked Questions

All funding is subject to underwriting. Information below is general guidance.

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Helpful Tools

Free resources to help you understand and plan your merchant cash advance.

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Estimate payments, remittance, and term length.

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How MCA Works

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Contractor Financing & Construction Business Loans for General Contractors and Trades

Get Funded Today

Why MCA Works for Construction & Contractors

Common Construction & Contractors Challenges We Address

How Construction & Contractors Businesses Use Their Funding

Why Banks Say No to Construction & Contractors

Why Construction & Contractors Businesses Choose Us

Material Purchases

Payroll Bridge

Equipment Needs

Industry Terms We Understand

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