Stop waiting on GC payments. Get $10K–$2M in working capital, invoice advances, and equipment financing with 24-hour approvals — designed specifically for contractors.
Contractors operate in one of the most financially demanding business environments in any industry. Unlike a retail business that collects payment at the point of sale, contractors typically invest tens or hundreds of thousands of dollars in a project before seeing a single payment. Materials are purchased weeks before work begins. Labor must be paid weekly regardless of where the draw stands. Subcontractors submit invoices expecting payment within 30 days — but the GC may take 60 or 90 days to release funds.
This timing mismatch is the defining financial challenge of the contracting business. It is not a sign of poor management or weak revenue — it is structural. Even a contractor running $3 million in annual revenue with a full project backlog can find themselves unable to make payroll in a given week because three project draws are simultaneously delayed.
Contractor financing from Merchant Fund Express is built to solve this problem at every stage: invoice factoring for sub-tier contractors waiting on GC payments, working capital loans for project funding gaps, equipment financing for job-specific machinery, and lines of credit for ongoing operational needs.
Managing multiple subs, material procurement, and owner billing cycles. Lines of credit and working capital loans keep the master schedule intact.
High upfront material costs (wire, panels, conduit) before rough-in inspections and milestone payments. Invoice factoring advances payment on completed work.
Rough plumbing, underground work, and finish trim happen in three separate billing phases. Working capital bridges the gaps between milestones.
Equipment-heavy trade with units costing $5,000–$50,000 each. Equipment financing and working capital cover inventory and installation labor.
Heavy machinery, fuel, and operator costs front-loaded on every project. Equipment financing for excavators and loaders; working capital for fuel and labor.
Large material quantities (asphalt, gravel, aggregate) purchased upfront. Working capital and RBF cover material purchases before project billing cycles.
Sub-tier contractors completing work in January may not receive payment until March or April. Invoice factoring converts those receivables into immediate cash — 80–90% of invoice value within 48 hours — so you are not waiting months to pay your own suppliers and crew.
On large projects, mobilization costs — equipment transport, temporary facilities, initial material procurement — must be paid before the first draw is even submitted. Working capital loans cover mobilization so you can start projects without draining your operating reserves.
Most commercial contracts withhold 5–10% retainage until punch list completion, which can happen months after substantial completion. Revenue-based financing and working capital loans allow contractors to access cash against completed work without waiting for retainage release.
Many contractors see 60–70% of annual revenue generated in a 6-month window. A business line of credit lets contractors draw capital during slow months and repay when project revenue peaks — without reapplying or justifying the need each time.
Short-to-medium term loans from $10,000 to $500,000 with terms from 3 to 18 months. Funds available in 24–48 hours for materials, payroll, subcontractor payments, and overhead. No collateral required. Apply once, use as needed.
Learn more →Sell outstanding invoices for completed work and receive 80–90% of face value within 48 hours. No debt. No waiting on GC payment cycles. Ideal for subcontractors and specialty trade contractors on net-60 or net-90 terms.
Explore invoice factoring →Finance or refinance heavy equipment, tools, and vehicles. Terms up to 60 months. Preserve working capital while acquiring machinery needed to win and execute larger projects. Equipment serves as its own collateral.
See equipment financing →Revolving credit up to $250,000 available whenever you need it. Draw for material purchases, pay down as draws arrive, draw again for the next project. No reapplication required between draws.
Apply for a line of credit →Invoice factoring is one of the most underutilized financing tools in the contracting industry — and one of the most powerful. Here is how the cycle typically works without factoring, and how it changes with it:
A contractor loan is a business financing product designed for licensed contractors and construction companies. It provides working capital for materials, payroll, equipment, and overhead between project draws or GC payments. Products include working capital loans, lines of credit, invoice factoring, equipment financing, and revenue-based financing.
Merchant Fund Express approves most contractor financing applications within 24 hours and deposits funds within 1–3 business days. Contractors who have worked with us before can sometimes receive same-day funding.
Yes. Sole proprietors and independent contractors operating as a business entity are eligible. You will need to show consistent business revenue of at least $10,000 per month and have been operating for at least 6 months.
Our minimum credit score is 500. Contractors with scores below 620 can still qualify if they demonstrate consistent revenue and a strong project pipeline. Revenue and time in business are weighted heavily in our underwriting.
Contractor financing is a broad term that includes multiple products: working capital loans, lines of credit, equipment financing, invoice factoring, and merchant cash advances. A contractor loan typically refers specifically to a term loan with fixed repayment. We offer both, as well as flexible alternatives designed for contractors' irregular payment cycles.
Yes. Our contractor financing products can be used for any type of project — residential, commercial, industrial, or government contracting. There are no restrictions on the type of work funded.
A license is not always required, but it helps with larger funding amounts. Some products, particularly invoice factoring, may require documentation showing a valid contractor-client relationship. Most working capital products require only bank statements and basic business documentation.
Invoice factoring allows contractors to sell outstanding invoices to Merchant Fund Express at a small discount and receive 80–90% of the invoice value immediately. The factoring company then collects from the GC or client directly. This eliminates 30–90 day payment delays without taking on debt.
Apply for contractor financing in 10 minutes. Approval in 24 hours. Capital in your account in 1–3 business days.
Apply Now (305) 384-8391| Product Type | Funding Range | Timeline | Key Requirements |
|---|---|---|---|
| Working Capital | K - 0K | 24-48 hours | 6 months in business, K+/month revenue |
| Merchant Cash Advance | K - 0K | 24-72 hours | 3 months in business, K+/month revenue |
| Line of Credit | K - 0K | 48-72 hours | 1 year in business, K+/month revenue |
| Equipment Financing | K - 0K | 3-5 days | 6 months in business, equipment purchase |