Construction income tends to come in chunks. An advance that is repaid from receipts is built for steadier flow. Here is how to tell whether it fits your business.
Apply Now →In general terms, a merchant cash advance is funding repaid through a portion of future receipts. That structure assumes money keeps arriving. Contractors often receive money in a few large draws a month, with weeks in between when almost nothing comes in. A repayment method that follows receipts can be smooth when draws arrive and quiet when they do not, but how this works depends on the specific offer, so read it carefully.
It is a tool that can work for some contractors and fit poorly for others. Checking your own pattern comes first.
Contractors whose money comes mostly from one large draw on a monthly schedule often find a revolving line or working capital product closer to their cash pattern.
| Check | What to look for |
|---|---|
| Count the deposits in your last three months | Many small deposits suggest steady receipts; two or three big ones suggest lumpy |
| Longest stretch with no deposit | A long gap means repayment will have little to follow |
| Reason for funding | A defined, short purchase is easier to plan than an open-ended gap |
| Retainage owed to you | Money you earned but will not see for months does not help repay now |
Never accept an answer like “it depends” without seeing it in the paperwork. We do not publish rates here, and any numbers on this page are illustrations of how to think, not terms we offer.
We fund $25,000 to $5,000,000, funded in as little as 24 hours, with a 5-minute application and a soft credit pull. Sole proprietors can apply. Start here and compare what you are offered with a line of credit or working capital.
This page focuses on commercial and trade contractors. Residential remodeling is a category some funders restrict, and we do not promise funding for any particular trade. If your honest answer to the fit check is lumpy, that is not a reason not to apply, but it is a reason to read the repayment terms twice.
Construction income often comes in a few large draws, while an advance is repaid from receipts that are assumed to keep flowing. The mismatch can matter.
Yes. It is earned but not available, so it cannot help repay what is due in the meantime.
How repayment is collected when receipts are low, and whether the total owed changes. Get it in writing.
Yes. The application takes about 5 minutes with a soft credit pull.
A revolving line of credit or working capital may match draw-based income better. Compare total repayment across options.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
