Capital that moves at jobsite speed — for general contractors, subs, builders, and the trades waiting on slow draws and retainage.
Apply in 4 Minutes →Call (305) 384-8391In construction, you spend before you get paid. Materials, equipment rentals, and crew payroll all come due while you wait 30, 60, or 90 days on progress draws — and the GC holds 5-10% retainage until the job closes out. Merchant Fund Express provides capital that matches the pay-when-paid reality of the trades, so you can take the next contract instead of turning it down for lack of cash.
As a direct funder — not a broker or marketplace — we underwrite and fund from our own capital. We have deployed over $50M to 1,000+ businesses across all 50 states, accept 500+ FICO, and reserve our most competitive pricing for 600, 650, and 700+ credit scores. Decisions land in 2-4 hours, not the weeks a bank takes.
Construction is the textbook example of a negative cash-flow cycle. You mobilize a crew, buy lumber and materials, rent equipment, and meet weekly payroll — all before the first progress payment arrives. General contractors and owners pay on net-30, net-60, or net-90 draw schedules, and disputes or change orders can stretch that even further. On top of slow draws, retainage withholds 5-10% of every invoice until final completion, locking up your margin on jobs you have already finished.
For subcontractors the squeeze is brutal: you are the bank for the GC, financing labor and materials interest-free while carrying the risk. Seasonality piles on — weather stops work, but fixed costs and equipment loans do not. When a big bid lands, the mobilization cost can exceed everything in the account, forcing contractors to pass on profitable work. Banks move far too slowly for a jobsite and demand collateral most contractors would rather keep working. We fund on your revenue and deposits, deliver decisions in 2-4 hours, and structure repayment around your draw cycle so you can bid bigger and keep crews moving.
$5K-$1M to cover payroll, materials, and mobilization while you wait on draws. Repayment structured to flex with your progress-payment schedule.
Up to $2M over terms to 60 months for excavators, skid steers, trucks, and tools — new or used — with Section 179 letting you deduct qualifying equipment the same year.
Sell your progress invoices and get paid now instead of waiting 30-90 days. The fastest way to stop financing the GC interest-free.
Up-front cash to buy materials and mobilize a crew the moment a contract is signed — so a big bid becomes a payday, not a cash crunch.
Revolving capital you draw on job by job — ideal for contractors juggling several projects on different draw schedules at once.
Working capital that bridges the 5-10% retainage held back on completed jobs so your margin is not stranded until closeout.
typical funding for equipment, materials, payroll, mobilization, and bridging slow draws
600+ FICO unlocks our most competitive pricing. 500-599 FICO still approved with flexible options. No tax returns required under $250K. Funding range $5K-$5M.
We weigh your contract revenue and bank deposits over your credit score. A contractor with steady deposits and active jobs can qualify even with a 500-599 FICO, because the work and the cash flow prove the business. We accept 500+ FICO; 600+ unlocks better pricing and 650/700+ earns our most competitive rates and longest terms. No tax returns required under $250K — three months of bank statements usually support a decision in 2-4 hours.
We fund established contractors with at least six months of operating history.
Consistent monthly revenue flowing through your business bank account.
Your three most recent business bank statements — no tax returns under $250K.
Operating in the United States with a valid business bank account.
Illustrative examples of the funding profiles we structure for construction and contracting businesses. Amounts, terms, and timelines vary by revenue, credit, and use of funds.
Representative scenarios shown for illustration. Actual funding amounts, rates, and approval times depend on individual qualifications. Funding subject to approval. Not a guarantee of specific terms.
Merchant Fund Express funds from its own capital, so a contractor deals with the decision-maker, not a broker shopping the file. That is why you can apply from the jobsite in the morning, get a decision in 2-4 hours, and have money in the account the same or next business day — fast enough to make payroll, order materials, or mobilize a crew the week a contract is signed. In a business where a missed draw or a late material order can stall a whole job, that speed protects your schedule and your reputation.
Because we hold the paper, we can structure repayment around your draw cycle, pair equipment financing with working capital, and grow a line as your contract volume grows. Banks move on a timeline that has nothing to do with a jobsite and demand collateral most contractors would rather keep working; we underwrite on your revenue, your deposits, and the contracts in hand.
Smart contractors match the tool to the need. Long-lived assets — an excavator, a fleet truck, a skid steer — belong on equipment financing, where a 36-to-60-month term and Section 179 deductibility let the machine earn while it pays for itself. Job-specific needs like mobilization, materials, and payroll between draws fit working capital, while invoice factoring turns finished progress billings into cash so you stop bankrolling the GC for free.
Contractors juggling several projects on different draw schedules often run a line of credit, drawing per job and repaying as draws land — the cleanest way to bid bigger without a cash crunch. Our team reviews your active contracts, deposit history, and pipeline, then recommends the lowest-cost structure for how you actually get paid. The application takes about four minutes, carries no obligation, and exploring options will not hurt your credit. Call (305) 384-8391 or apply online to keep your crews moving.
Most contractors get a decision in 2-4 hours and funding the same or next business day — fast enough to mobilize a crew or order materials the week a contract is signed.
Yes. That is exactly what our working capital, invoice factoring, and retainage-bridge programs are for. We advance against the revenue you have earned so you stop financing the GC interest-free.
Yes. Equipment financing covers new and used excavators, skid steers, trucks, trailers, and tools up to $2M over terms to 60 months, with Section 179 tax deductibility on qualifying equipment.
Likely yes. We accept 500+ FICO and weigh your contract revenue and deposits more heavily than your score. Active jobs and consistent deposits can carry an approval in the 500s.
Yes. Material and mobilization capital is built for exactly this — up-front cash to buy materials and put a crew on a newly signed job before the first draw arrives.
A short application and your three most recent business bank statements. No tax returns under $250K. Most contractors finish in about four minutes from a phone on the jobsite.
We fund across dozens of sectors. See related programs: Dental & Healthcare · Medical Practices · Construction · Restaurants & Hospitality · Trucking · Retail & E-commerce · All Industries. Ready to move? Start your application.
2-4 hour decisions. 500+ FICO. No tax returns under $250K. $5K-$5M available.
Start My Application →Call (305) 384-8391Recent fundings. Individual results vary; funding subject to approval.