Merchant Cash Advance for Construction Companies
Construction cash flow is brutal — draw gaps, material costs, and payroll do not wait. Here is how construction companies get fast funding without a bank.
The construction cash flow problem
Every contractor knows the cycle: you win the job, mobilize the crew, purchase materials, and start work — all before you see a dime. Draw payments come weeks later, your supplier invoices are due now, and banks move too slowly to help.
How a merchant cash advance solves the draw gap
A merchant cash advance gives your construction business a lump sum based on your monthly revenue — funded in as little as 24 hours. No collateral, no fixed payment, no waiting on a bank. Repayment is a percentage of daily deposits — slower months cost you less automatically.
What construction companies use MCA funding for
Payroll between draw payments, material purchases and supplier deposits, equipment repairs that cannot wait, mobilization costs on a new job, bonding and insurance on a large contract, and bridge capital while waiting on a GC payment.
Who qualifies?
Qualification is based on credit score (baseline review), monthly gross revenue, and time in business. General contractors, specialty trades, and subcontractors all qualify. Max Funding works with advances from $50,000 to $500,000.
How fast is funding?
Joel Carbajal's direct relationships with high-reputation lenders mean most construction clients are funded within 24 hours — the difference between keeping the job and losing it.
How to apply
Last 4 months of business bank statements and a completed application. No tax returns, no business plan. Checking your options is free and will not affect your credit score.
$50K to $500K in as little as 24 hours. Checking your rate will not affect your credit score.
Get funded in 24 hours