Construction Project Financing | $500K to $5M

Built for How Construction Businesses Actually Work

Construction operates on a payment cycle that breaks most financing products. You bid a project, mobilize crews and equipment, purchase materials, and execute work — all before receiving your first progress payment 30 to 90 days later. Traditional lenders do not understand this cycle, and their rigid monthly payment structures create cash flow crises for even profitable contractors. Merchant Fund Express provides construction financing from $500K to $5M specifically structured around the way construction businesses actually operate.

Our construction financing bridges the gap between project mobilization costs and progress payments, ensuring you never have to choose between making payroll and purchasing materials. We serve general contractors, specialty contractors, developers, and design-build firms working on commercial, residential, industrial, and infrastructure projects.

Construction Financing Solutions

• Project Working Capital — Bridge financing to cover the gap between expenses and progress payments. Fund materials, labor, equipment rental, and overhead while waiting for payment.
• Equipment Acquisition — Purchase project-specific equipment or add to your permanent fleet. Cranes, excavators, concrete equipment, scaffolding systems, and specialty tools.
• Material Financing — Pre-purchase materials in bulk at discounted prices rather than paying premium rates for just-in-time delivery. Lumber, steel, concrete, electrical, plumbing, and HVAC materials.
• Bonding Support — Strengthen your balance sheet to qualify for larger bonds and bigger projects. Working capital injections improve the financial ratios that surety companies evaluate.
• Fleet Expansion — Add trucks, trailers, and support vehicles to serve expanding project pipelines. See our fleet financing program for details.
• Bid Deposit Funding — Cover bid bonds and deposits on new projects without draining operating capital from current jobs.

Qualification Requirements

The Construction Cash Flow Problem — And Our Solution

Consider a typical scenario: You win a $2M commercial build-out. Mobilization costs — equipment, materials, permits, initial labor — run $400K before you submit your first pay application. The project owner takes 30 days to process your invoice, then another 15 days to release payment. You are now 45+ days into the project with $400K deployed and zero revenue received.

Meanwhile, your crew needs weekly paychecks, material suppliers expect payment within 30 days, and your equipment has monthly financing obligations. Without adequate working capital, profitable projects become cash flow nightmares. Our financing eliminates this problem by providing upfront capital that bridges to progress payments.

Why Construction Companies Need a Specialized Funding Partner

Generic lenders treat construction companies like any other business — monthly revenue in, monthly payment out. But construction does not work that way. Revenue comes in lumps tied to project milestones. Expenses front-load at project starts. Retainage holds 5-10% of every payment for months after project completion. Seasonal weather patterns create months with zero billable work. A financing partner that does not understand these realities will create more problems than they solve.

We have funded hundreds of construction companies and understand every nuance of the industry. Our financing structures mirror how your business actually operates, ensuring payments align with your actual cash receipts rather than an arbitrary monthly schedule.

Construction Sectors We Serve

• Commercial Building — Office, retail, hospitality, healthcare facilities
• Residential Development — Single-family, multi-family, townhome communities
• Industrial Construction — Warehouses, manufacturing plants, distribution centers
• Infrastructure — Roads, bridges, utilities, municipal projects
• Specialty Trades — Electrical, plumbing, HVAC, concrete, steel erection
• Renovation and Remodeling — Commercial and high-end residential renovations