Revenue-based funding from $25,000 to $5,000,000, sized off your bank deposits instead of your credit score, so you can cover payroll, parts, fuel, and machinery without waiting on a customer to pay.
Apply Now →A merchant cash advance for contractors is a lump sum of working capital, from $25,000 to $5,000,000, that you repay from a fixed slice of your future revenue rather than in equal monthly loan installments. At Contractor Capital Funding we size the advance off your business bank deposits and revenue, not your credit score, so a strong receivables history can carry the file even when your personal credit is mid-pack. All credit is considered, decisions land in roughly 4 to 24 hours, and approved advances are often funded the same or next business day, fast enough to make a hydraulic repair, an equipment payment, or a Monday payroll before it becomes a stalled jobsite.
An MCA is not a term loan, and the mechanics matter. You receive a lump sum today and agree to repay a set total, the advance plus a flat fee, through automatic pulls tied to your revenue. Two structures are common for contractors:
The cost is quoted as a factor rate, not an APR. Multiply the advance by the factor rate to get your total payback: $100,000 at a 1.28 factor means you repay $128,000. There is no separate interest that compounds over time, and there is no prepayment penalty structure like an amortizing loan, though the fee is fixed rather than accrued daily. That is the trade you are making, speed and deposit-based approval in exchange for a flat, known cost.
Contractors who run CAT, Komatsu, Deere, Bobcat, Case, or Volvo iron rarely look clean on a credit report. Equipment loans, floor-plan lines, and seasonal cash gaps push balances up and scores down, even on a business that clears seven figures a year. A merchant cash advance ignores most of that noise and reads the signal instead: your bank statements.
Underwriting for an advance looks at average monthly deposits, deposit consistency across the last three to six months, ending balances, and negative-day frequency. A grading contractor with $180,000 in monthly deposits and no bounced drafts is a strong file regardless of a 600 FICO. That is the whole point of revenue-based funding, and it is why it fits fleet and machinery businesses that a bank underwriter would decline on the credit pull alone. All credit is considered here; the deposit history is what carries the decision.
Because the funds arrive as unrestricted working capital, there is no purchase approval and no lien filed on a specific machine. Contractors deploy an advance against the cash needs that a piece-of-equipment loan will not touch:
If the need is a single titled machine on a multi-year schedule, an equipment loan is usually the cheaper tool. If the need is speed, flexibility, or cash the bank will not lend against, an advance is the reason this product exists.
The numbers below are a realistic illustration, not a quote. Actual terms depend on your deposits, time in business, and the structure you agree to.
| Term | Detail |
|---|---|
| Business | Excavation and site-prep contractor, 4 years operating |
| Average monthly deposits | $165,000 |
| Advance amount | $150,000 |
| Factor rate | 1.30 |
| Total payback | $195,000 |
| Estimated term | ~9 months |
| Remittance | Fixed daily ACH, ~$1,146 per business day (21 days/mo) |
| Use of funds | Track loader final drive rebuild + two-week payroll bridge |
The contractor kept a $250,000 machine and its crew working, and repaid the fee out of the same jobs the equipment was running. The comparison that matters is not the factor rate in a vacuum, it is $45,000 in cost against the revenue lost from a machine and crew sitting idle for the three weeks a bank decision would have taken.
A merchant cash advance is the right call when the timing of cash, not the long-term cost of capital, is the problem. It fits well when:
It is the wrong tool when you are trying to term out a long-lived asset over years, when your deposits are thin or erratic enough that daily remittance would strain the account, or when you are already carrying an advance that a new one would only stack onto. We would rather size the right amount, or point you toward equipment financing or a working-capital line, than put a payment on your account you cannot run alongside the work.
The process is built to move at the speed of a broken machine, not a loan committee.
Nothing here is guaranteed, and we will tell you plainly if an advance is not the right fit for your file. What we will do is give you a real answer fast, sized off the numbers that actually reflect a working contractor.
A loan gives you a lump sum repaid in equal monthly installments with interest that accrues over time, and approval usually hinges on credit. An advance gives you a lump sum repaid from a slice of your revenue through daily or weekly ACH pulls, at a fixed factor-rate cost with no compounding interest. Approval leans on your bank deposits, which is why it fits revenue-strong contractors whose credit would not clear a bank.
There is no hard cutoff. All credit is considered, because the decision leans on your business bank deposits and revenue far more than your score. A contractor with strong, consistent deposits and few or no negative days can be approved with mid-range or below-average personal credit.
Advances run from $25,000 to $5,000,000, sized against your monthly deposits and time in business. Decisions typically come in about 4 to 24 hours, and approved advances are often funded the same or next business day once you accept the terms.
Cost is quoted as a factor rate, not an APR. You multiply the advance by the factor rate to get your total payback. For example, $100,000 at a 1.28 factor rate means you repay $128,000 in total. There is no separate interest compounding on top of that, so the full cost is known before you sign.
Yes. The funds are unrestricted working capital, so contractors commonly use them for emergency repairs on CAT, Komatsu, Deere, Bobcat, Case, or Volvo machines, down payments or buyouts on used iron, fuel and parts, and payroll bridges. For a single titled machine on a multi-year schedule, an equipment loan is often cheaper; for speed and flexibility, an advance is the better fit.
A short online application and your three to six most recent business bank statements. No tax returns or full financial package are required to get a decision. The bank statements are what we underwrite, so having them ready is the fastest path to an answer.
Fast, flexible business funding for licensed contractors, builders and specialty trades nationwide.