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2026 Guide

Construction Cash Flow & How to Fund It

Construction gets paid in arrears, held back, and slowly. Here's how contractors keep cash moving.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Constructionspecialist
No collateralfor working capital

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

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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

Short answer: Construction cash flow is hard because you spend first and get paid later — draws pay in arrears, owners hold retainage, and GCs pay slowly. Contractors close the gap with working capital, draw funding, retainage financing, and bridges. Construction Capital Advance provides all of them on your deposits, FICO 500+, $25K-$5M, in 24 hours.

Reviewed by the Construction Capital Advance Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

The 4 cash-flow gaps in construction

Where money gets stuck and the fix.

GapWhy it hurtsFunding fix
Draws pay in arrearsYou front payroll & materialsProgress draw funding
Retainage held back5–10% locked to closeoutRetainage financing
Slow-paying GCsCash owed sits unpaidBridge / advance
SeasonalityRevenue swingsRevenue-based funding

Why builders choose us

  • Underwritten on deposits, not the contract or draw schedule
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as the project pays you
  • Built for how construction actually bills

What you need to apply

  • US-based construction or contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Why is construction cash flow so difficult?
Because you spend on labor and materials before you're paid — draws pay in arrears, retainage is held back, and GCs often pay slowly.
What's the best way to fund the gap?
A mix of working capital, draw funding, and retainage financing, matched to where your cash is stuck.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and a soft credit pull.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Fix your cash flow

Apply in 5 minutes with a soft credit pull.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval and is not a contract- or bond-backed product. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why contractors choose us

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

🏗️

Built for construction

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

⚡

Funded in 24 hours

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

📊

Approved on your revenue

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

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your construction business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute