Industry Guide
MCA Funders for Construction Companies
Why Construction Companies Take Out MCAs
Stacking multiple projects
A contractor lands 3-4 jobs at once and needs to buy materials and hire subs for all of them before the first draw comes in. MCA bridges that gap so they don't have to turn down work.
Covering payroll between draws
Crews need to get paid every week regardless of when the GC releases the next payment. When draw schedules slip or inspections delay funding, an MCA keeps payroll covered.
Material purchases upfront
Lumber, concrete, steel, equipment rentals — construction jobs require heavy upfront spend. Suppliers want payment on delivery, but the project revenue comes months later.
Equipment repairs or replacement
When an excavator breaks down mid-job or a truck needs replacing, there's no time to wait. MCA funding gets equipment back on the site fast.
Seasonal ramp-up
Spring and summer bring a surge of work after a slow winter. Companies need capital to staff up, stock materials, and bid on new contracts before last season's revenue catches up.
Bonding and insurance costs
Performance bonds, liability insurance, and workers' comp premiums often hit at the worst time. MCA helps cover these lump-sum costs without draining operating cash.
Construction is one of the most funded industries in the MCA space, but not every funder touches it. Seasonality, long project timelines, and irregular revenue cycles make some funders hesitant — while others specialize in it. The key is knowing which funders are comfortable with the cash flow patterns that come with construction work.
Most construction companies seeking MCA funding are dealing with gaps between project payouts. They have signed contracts and work in progress, but need capital to cover materials, labor, and equipment before the next draw or final payment comes through. Funders who understand this are more flexible on bank statement requirements and revenue consistency.
Deal sizes in construction tend to run higher than average — $50K to $250K is common, with some going well above that for established general contractors. Funders who work with construction companies typically look at time in business, monthly deposits, and existing positions more than credit score alone. If your merchant is a contractor with steady deposit activity, there are plenty of options below.
59 Funders Accept Construction
Full Search →Verified funders are prioritized at the top of results. Scroll down to see all matching funders.
The liquidity network
VerifiedMin Revenue: $0/mo
Max Positions: 6
Defaults: ✓ Accepted
Highland Hill Capital
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Clovex
VerifiedMin Revenue: $50,000/mo
Max Positions: 99
Defaults: ✕ No
Black Rok
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
G6 Advance
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
GMFunding
VerifiedMin Revenue: $25,000/mo
Max Positions: 5
Defaults: ✕ No
Barclays Advance
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Frequently Asked Questions
What credit score do construction companies need for a merchant cash advance?
Most MCA funders weigh a construction company's bank deposits, time in business, and existing positions more heavily than credit score. Many will fund contractors with scores in the 500s, and some accept prior defaults. A score above 600 unlocks better factor rates, but consistent monthly deposits and at least six months in business matter more to construction funders than FICO alone.
How much MCA funding can a construction business get?
Construction deal sizes run higher than average — $50,000 to $250,000 is common, and established general contractors with strong deposit activity can qualify for $500,000 or more. Amounts are typically based on average monthly revenue (funders often advance 50–150% of a month's deposits), time in business, and how many positions the company already carries.
Which MCA funders work with construction companies?
Not every funder touches construction because of its seasonality and irregular draw schedules, but many specialize in it. On MCA Directory you can filter funders by industry to see which ones accept construction deals, along with their revenue requirements, position limits, and whether they accept defaults. Verified funders appear first.
Can a construction company get an MCA if it already has other advances (stacking)?
Yes. Many construction funders allow second, third, or later positions, though terms tighten as advances stack. When brokering a contractor with existing positions, filter for funders with higher maximum-position limits so you only see funders that will actually consider the deal.
Do funders accept construction businesses with seasonal or irregular revenue?
Funders who specialize in construction expect uneven cash flow between project draws and won't automatically decline a contractor for a slow winter or a lumpy deposit pattern. They focus on overall deposit volume, signed contracts, and time in business rather than month-to-month consistency. Lead with the merchant's contract pipeline and banking stability.
How fast can a construction company get funded with an MCA?
Most merchant cash advances fund within 24 to 72 hours of approval, which is why contractors use them to cover payroll gaps between draws, urgent material purchases, or equipment repairs that can't wait for a bank loan. Having four to six months of business bank statements ready speeds up underwriting.
Need a more specific match?
Use the full search matrix to filter by revenue, credit score, positions, and more.
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