Working capital for construction.

Material purchases, payroll between draws, equipment, mobilization on a new project. Funding structured around how construction actually pays.

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Construction — selective funding

We fund established construction operators.

Construction sits in our high-risk category. We do fund this industry, but selectively. To qualify, your business needs to clear a higher bar than other industries: $1M+ in monthly revenue, 2+ years operating, 10+ deposits per month, established prior MCA payment history, and a commercial business location. Specialty trade contractors (HVAC, electrical, plumbing) qualify under our preferred-industries policy with the standard underwriting bar — see our general funding page.

Construction businesses live with a cash flow gap most lenders don't understand. Materials and labor go out today; payment lands in 30, 60, sometimes 90 days. A single draw delay can stop a project. For operators at our scale floor, we underwrite around that reality.

Project-based revenue is variable by nature. We weight the run-rate, not any single month.
Receivables aging matters. We look at how money actually flows through the business.
GC and subcontractor profiles both work. We've funded GCs, electrical, HVAC, plumbing, framing, concrete, roofing, and specialty trades.

Common use cases

What we typically fund.

Material purchases.

Mobilization on a job that requires materials before the first draw.

Payroll between draws.

Crew paid weekly. Bridge capital to keep the crew paid through draw cycles.

Equipment.

Specific equipment that unlocks a new contract type.

Project-driven expansion.

You won the bid. Now you need capital to staff up and start.

Typical deal shape

What construction deals look like.

Advance amount	$100K – $500K
Term	6 – 15 months
Factor	1.30 – 1.42
Remittance	Daily ACH or weekly ACH (we tune to your draw cycle)

Weekly remittance

When weekly ACH is the right fit.

Most construction businesses don't deposit revenue every weekday. Daily remittance can cause artificial NSFs even when the business is healthy. For project-based businesses, we often structure weekly ACH timed to draw cycles. The math is the same; the cash flow friction is lower.