Merchant Cash Advance for Construction
The excavator is down. You need $30,000 for repairs by Friday or the project stalls. Banks need 3 weeks. Equipment financing needs documentation you do not have time to gather. MCA can put capital in your account within days based on your business revenue.
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MCA for Construction Speed
MCA is not the cheapest construction financing, but it is often the fastest. When equipment emergencies, project opportunities, or cash crunches need immediate response, MCA provides capital while other options are still processing.
Speed Priority
MCA excels when speed matters more than cost. Equipment down, payroll due, or material opportunity requiring immediate action. Capital in days rather than weeks.
Revenue-Based Qualification
MCA evaluates bank statements and business revenue rather than requiring extensive documentation. Contractors with strong revenue can qualify despite credit challenges.
Flexible Repayment
Many construction MCA products adjust payment with revenue. Project deposits trigger higher payments you can afford; slower periods adjust down.
Strategic Use
MCA works best for short-term, high-value situations: equipment emergencies, project opportunities, or bridge capital. Not ideal for long-term financing needs.
When Speed Trumps Cost
MCA trades higher cost for speed and accessibility when construction situations demand immediate capital.
Equipment Emergency
Critical equipment down. Project deadline in two weeks. Need capital for repair or replacement immediately.
Time-Sensitive Opportunity
Contract requires immediate mobilization. Cash position is tight from current projects. Need capital now to capture opportunity.
Bank Timeline Mismatch
Bank wants 30 days to process. Your situation needs capital in 30 hours.
Documentation Gap
You have the revenue to support financing. You do not have time to compile tax returns and financial statements.
Credit Challenges
Past credit issues from prior business challenges. Strong current revenue but banks decline on credit alone.
Payroll Crunch
Project payment delayed. Payroll is Friday. Need capital to cover crews while receivable processes.
Construction MCA Process
From application to funding in days, not weeks.
Application
Complete online application with business information.
10 minutes
Documentation
Provide 4 months of bank statements showing business revenue.
Upload documents
Offer
Receive offer with advance amount, factor rate, and payment structure.
24-72 hours
Funding
Accept and receive funds deposited to your business account.
Same or next day
Fast Capital for Construction Emergencies
MCA provides rapid access to capital when construction situations cannot wait for traditional financing timelines. Equipment emergencies, project opportunities, and cash crunches get addressed in days rather than weeks.
Speed
Most construction MCA applications receive decisions within 24-72 hours. Funding deposits same or next day.
Revenue Focus
Business revenue and bank deposits matter more than credit scores. Strong revenue supports approval.
Minimal Documentation
Bank statements and application. No tax returns or financial statements typically required.
Credit Flexibility
Credit challenges from prior business issues can be offset by strong current revenue.
Equipment Emergencies
Get capital for critical equipment repair or replacement when projects cannot wait.
Opportunity Capture
Fund project mobilization or material purchases when timing is critical.
Construction MCA Applications
Situations where MCA speed and accessibility help contractors.
Equipment Emergency
Excavator, truck, or critical equipment down. Need capital for immediate repair.
Typical funding: $15K-$50K
Project Mobilization
Won contract requiring immediate startup. Need capital faster than other options provide.
Typical funding: $25K-$100K
Payroll Crunch
Project payment delayed. Crews need payroll now. Bridge until receivable arrives.
Typical funding: $15K-$50K
Material Opportunity
Time-sensitive material deal. Need to purchase before price increases.
Typical funding: $20K-$75K
Credit Challenges
Strong revenue but credit issues. Need capital that evaluates business performance.
Typical funding: $15K-$100K
Bridge Capital
Short-term capital need while waiting for other financing to process.
Typical funding: $25K-$100K
MCA vs. Other Construction Financing
Understanding when MCA makes sense for your construction business.
| Feature | MCA | Term Loan | Equipment Finance |
|---|---|---|---|
| Speed | 24-72 hours | 1-4 weeks | 3-10 days |
| Documentation | Bank statements | Full financials | Moderate |
| Credit Requirements | Flexible | Moderate | Equipment focused |
| Total Cost | Higher | Moderate | Lower |
| Best For | Emergencies/speed | Planned needs | Equipment purchase |
| Payment Structure | Daily/weekly | Monthly | Monthly |
| Approval Rate | Higher | Moderate | Equipment dependent |
Construction MCA Requirements
MCA qualification focuses on revenue and business activity.
Business Revenue
Demonstrated revenue through bank deposits from projects and clients.
$15,000+ monthly revenue
Business History
Operating construction business with established activity.
6+ months minimum
Bank Account
Business checking with history of deposits.
4+ months statements
No Active Bankruptcy
Cannot be in active bankruptcy. Past discharged bankruptcy may be acceptable.
No open BK
Active Operations
Currently operating with ongoing or upcoming projects.
Active business
Revenue Consistency
Reasonably consistent deposit patterns showing business activity.
Consistent activity
MCA emphasizes business revenue over credit scores. Strong project revenue can support approval despite credit challenges.
Real Results
Rapid Site Services
Site Work Contractor, Florida
The Challenge
Rapid's main dump truck transmission failed. $18,000 repair. Project deadline in 10 days required the truck. Bank needed 3 weeks. Equipment financing needed documentation they did not have time to compile.
The Solution
We evaluated their $65,000 monthly revenue and approved $25,000 MCA at 1.32 factor. Funding arrived in 48 hours.
The Result
Truck repaired and back on site within 5 days. Project completed on schedule. Client relationship preserved. MCA cost was fraction of project profit and penalty avoidance.
“The truck went down Monday. Friday it was running again. The project would have been delayed a month waiting for bank financing. MCA cost money but saved the project.”
Construction MCA Data
Statistics on MCA for construction businesses.
When MCA Works for Construction
Strategic uses for fast construction capital.
Emergency Response
Equipment failures and urgent situations resolved in days.
Speed
Capital when you need it, not when banks are ready.
Revenue Focus
Strong project revenue matters more than credit history.
Simple Process
Bank statements and application. No extensive documentation.
Opportunity Capture
Act on time-sensitive opportunities while they exist.
Bridge Capital
Short-term capital while better financing processes.