Merchant Cash Advance for Texas General Contractors

The core question: how often does money come in?

In general terms, a merchant cash advance is funding repaid through a portion of future receipts. A general contractor's receipts come from owners and clients, often as a handful of large payments each month. Between them, deposits may be few. How repayment is collected from such an income pattern depends on the offer, so you need to ask.

For some generals the answer is fine, particularly those with steady smaller service work. For others it will be awkward.

Three profiles

What to examine in your own account

• The number of deposits in each of the last three months.
• The longest gap between deposits.
• How much of your income is retainage that arrives only at completion.
• Whether you have one dominant customer, whose delay would affect everything.

These checks take twenty minutes and are more informative than any article, including this one.

A short example of the mismatch

For illustration only: a general receives $90,000 from an owner on the 20th of the month and almost nothing else until the next draw. If repayment is taken from deposits as they arrive, nearly all of it is collected from that one payment, and the rest of the month looks very different from the week the draw lands. Whether that works depends on how the offer is written and whether the draw is on time. A project that slips by two weeks changes the picture. These numbers are invented to show the pattern and are not our terms.

A contractor who understands this beforehand can plan around it, for example by holding back part of each draw for the weeks in between. One who does not may be surprised by how empty the account feels before the next payment.

Terms to get in writing

1. The total repayment in dollars.
2. Which receipts are used and how often they are taken.
3. What happens when a job is delayed and deposits slow down.
4. Whether early repayment is allowed and how it affects the total.

We do not publish rates here and any number on this page is an illustration, not a term we offer.

Funding details

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, then compare the result with a line of credit or working capital.

This page is written for commercial and trade work. Residential remodeling is restricted by some funders, so we do not promise funding for it. If your income pattern is lumpy, that is not a reason to avoid applying, but it is a reason to read the repayment terms carefully before accepting.