Ontario/Toronto

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

Construction & Contractors in Toronto

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.

Local Market Insights

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.

Unique Challenges We Address

Banks move too slowly for a contractor who needs materials this week, and they weigh personal credit and real-estate collateral heavily — which most trade businesses can't pledge against a receivable.

Toronto Business Environment

Transportation Infrastructure

Highway 401Gardiner ExpresswayDon Valley ParkwayHighway 427QEW

Business Districts

Financial DistrictLiberty VillageQueen WestEtobicoke industrial corridorScarborough business parksNorth York

How Toronto Construction & Contractors Businesses Use Our Funding

1

Cover payroll while waiting on a progress draw or holdback release.

2

Buy materials and rent equipment to start a newly awarded contract.

3

Bridge the gap between invoicing a GC and getting paid 60–90 days later.

Use cases described are illustrative; eligibility and approved amounts are subject to underwriting.

Why Choose Y Millennial Funding?

Same-day decisions available
Funding from $25K to $5M
No collateral required
Flexible repayment terms
Local expertise in Toronto
Construction & Contractors industry specialists

Frequently Asked Questions

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

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Related Funding Resources

Ready to Fund Your Construction & Contractors Business?

Apply today and get a decision in as little as 24 hours.

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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.

CallSee if I qualify