Construction Advance · 2026

Construction Cash Advance Funding: Fast Capital Between Draws

When a draw is slow and payroll is due, a construction advance funds fast — repaid as a slice of deposits, in as little as 24 hours.

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24hrFunding speed

$2MMax advance

500+Min FICO

Draw gapCovered

See how much your construction business qualifies for

$25K to $5M in revenue-based capital for construction — approved on your revenue, funded in as little as 24 hours.

✓ 500+ credit
✓ 6+ months open
✓ $10K+/mo revenue

1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

What is a merchant cash advance for construction companys?

A construction cash advance gives a construction company a lump sum repaid as a slice of deposits — fast and credit-flexible (FICO 500+). Construction Capital Advance funds $5,000 to $2,000,000 in as little as 24 hours, made for covering payroll and materials when a progress draw is slow to arrive.

How a contractor cash advance works

Apply in 5 minutes

Short online application with a soft credit pull that does not affect your score.

We review your deposits

Approval and your offer are based on your recent bank deposits.

Get your advance

Receive a lump sum, often within 24 hours of approval.

Repay from deposits

A small fixed daily or weekly amount is remitted until it is paid.

Factor rates explained

An MCA is priced with a factor rate, not an interest rate. Here is how the cost works.

Term	What it means	Example
Advance amount	The cash you receive up front	$50,000
Factor rate	A multiplier that sets total payback	1.30
Total payback	Advance x factor rate	$65,000
Holdback	% of deposits remitted per period	10-15%
Term	How long repayment takes	~4-18 months

Merchant Cash Advance Calculator

See total payback and your estimated daily and weekly payment. Adjust the sliders below.

Advance amount $50,000 Factor rate 1.30 Estimated term 10 months

$65,000Total payback

$295Est. daily payment

$1,477Est. weekly payment

Estimates only, for illustration. Factor rate and term are set at underwriting based on your revenue.

MCA qualification requirements

US-based construction company
4+ months in business
~$30,000+ in monthly revenue
Last 3 months of business bank statements
Valid EIN and business bank account
FICO 500+ (approval weighted on revenue)

Cost, amounts & speed

Advances through Construction Capital Advance run from $5,000 to $2,000,000, priced with a factor rate (commonly 1.15-1.45) set by your revenue and deposit health.

Repayment is a small fixed daily or weekly debit, so it flexes with your cash flow. Most advances fund within 24 hours.

Use the calculator above to see your total payback and daily payment.

Construction trades that use advances

Commercial GCs

Advance against deposits when an AIA draw lags.

Public Works

Cover certified payroll while a government draw processes.

Concrete & Structural

Fund a pour or erection before the milestone pays.

Site & Utility

Cover fuel and crews between pay applications.

When an advance makes sense (and when to consider alternatives)

You need cash fast — An advance can fund same-day or within 24 hours when timing matters.
Your credit is weak — Approval leans on deposits, so bank turndowns are common approvals.
A draw is slow — Cover payroll and materials now and repay as the project pays.
Consider an alternative if you can wait — A line of credit or term loan usually costs less if you qualify.
Avoid stacking — Taking a second or third advance on top drains cash — consolidate instead.

Frequently asked questions

Is this backed by my contract?

No — it's underwritten on your bank deposits, not the contract, which is what makes it fast.

Should I use an advance or a line of credit for draw gaps?

A line of credit is reusable and usually cheaper if you qualify; an advance is faster and more credit-flexible.

How fast can I get a contractor cash advance?

Most advances fund within 24 hours of approval; smaller amounts can be same-day.

What is a factor rate?

A factor rate (e.g. 1.30) is multiplied by the advance to set total payback — a $50,000 advance at 1.30 repays $65,000.

Can I refinance an expensive advance?

Yes — we can consolidate or refinance an existing advance into a lower daily payment.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Factor rates, figures, and calculator estimates are illustrative 2026 examples and vary by underwriting; your actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.

Why contractors choose us

Fast revenue-based capital that fits construction cash-flow gaps — draws, retainage, mobilization, equipment.

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Built for construction

GCs, subs, and every trade — grading, demolition, concrete, roofing, framing, and more.

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Funded in 24 hours

Fund a draw gap, buy materials, or make payroll — decision in as little as 4 hours.

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Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.