Industry Authority Center
Top-Tier ISO Network | 500+ FICO | App + 6 Months Statements
Contractor funding covers the payroll gap between a completed draw milestone and the check clearing. Initial review needs a 1-page application and 6 consecutive months of bank statements, not your outstanding contracts.
You bid the job. You won it. Now you need $40,000 in materials before the first draw arrives in 3 weeks. Banks won't move that fast. This resource center was built for contractors who live in the gap between job start and first payment.
Start with the resource that matches your situation.
Every tool, guide, and reference built for contractors and trade businesses.
How MCA solves draw schedule gaps, what a funding source looks for in contractor bank statements, how large project deposits are evaluated, and how to maximize your approval odds.
Read the Guide →Enter your average project size and payment timeline to see your estimated funding gap, recommended advance amount, and what the daily payment looks like as a percentage of deposits.
Open Calculator →Pre-application checklist specific to contractors. Covers bank statement requirements for project-based income, what to do if deposits are irregular, and how to present your file.
Get the Checklist →The contractor float problem explained. How to plan for draw schedule gaps, material cost timing, seasonal slow periods, and what to do when two projects end in the same month.
Read the Guide →How a funding source reads periodic project deposits vs. steady daily deposits. What makes contractor bank statements look strong or weak, and exactly how to improve yours before applying.
See Approval Factors →15 ChatGPT prompts for contractors: project cash flow analysis, bid profitability, draw schedule planning, vendor payment terms negotiation, and funding prep.
Get the Prompts →Working capital strategies for contractors: draw schedule gaps, payroll bridge, material costs, and when MCA makes sense vs. invoice factoring or equipment financing.
Read the Guide →2026 average factor rates for construction and contractors (1.33 avg), what drives your rate up or down, and how to compare funder offers accurately.
See Rate Benchmarks →Six steps from application to funded account. Full timeline, document requirements, and what to expect. Know the process before you commit to it.
See the Process →New to MCA? This complete guide explains how MCA works, what it costs, who qualifies, and how it differs from a business loan, written for contractors, not bankers.
Read the Guide →A $75,000 advance at 1.25 means you repay $93,750 total. This guide explains factor rates in plain terms so you know exactly what you're agreeing to before signing.
Read the Guide →Side-by-side comparison: speed, cost, credit requirements, collateral. Contractors approved by MCA while waiting on SBA loans will find the decision matrix particularly useful.
Compare Options →How a funding source reads contractor bank statements, which are fundamentally different from retail or restaurant accounts.
Factor rates for contractors: 1.15-1.32 for strong profiles. Large project deposits evaluated on a 6-month average, not any single month.
A signed contract does not pay the crew. Materials, labor, and mobilization costs go out weeks before the draw that is supposed to cover them clears, and that gap is the specific, time-boxed problem contractor MCA is built to bridge, not a way to fund a business that isn't otherwise winning signed work.
Four ordinary parts of running a contracting business, none of them a red flag on their own, that routinely land on the same calendar and create the exact cash-timing gap MCA bridges.
Most general contractors pay subs off a monthly pay application, verified against work actually completed, on a standard 30 to 45 day cycle (60 days is not unusual on larger commercial jobs). On top of that, 5 to 10% retainage is typically withheld from every draw until substantial completion or full project closeout. A sub who bills $80,000 of completed work in a month may not see the roughly $72,000 to $76,000 net of retainage for a month or more, and the retained balance not until the job wraps entirely.
On public and government-funded jobs, prevailing wage rules require certified payroll at fixed rates, run and paid weekly or biweekly, regardless of when the GC's own draw clears. Payroll runs on a fixed clock; the draw that is supposed to fund it runs on the government's or GC's clock. Those two clocks rarely land on the same week.
Many suppliers want payment, or at least a deposit, before releasing rebar, lumber, electrical gear, or HVAC equipment, especially on a large order or without an established trade account. Long-lead items like custom cabinetry or specialty mechanical equipment can require payment weeks or months before the material even ships, well before any draw tied to that phase of the job is billable.
A bonded job, common on public work above roughly $100,000, typically adds a bond premium, insurance certificates, and mobilization costs due before the first shovel goes in the ground, none of which show up as billable work yet. MCA funding is unsecured and requires no lien on equipment or property, though like most commercial financing it typically requires a personal guarantee from the business owner.
Banks and MCA funding sources look at contractor cash flow completely differently.
The key insight: a contractor averaging $60,000/month across periodic project payments looks exactly the same to an MCA funding source as a restaurant doing $60,000 in daily card swipes. It's about the average, not the timing. Read the full Contractor Funding Guide →
MCA is a bridge for a specific, time-boxed gap between a signed contract and the draw that pays for it. It is not the cheapest way to fund long-term growth, and it is not a fix for a business that isn't winning enough signed work on its own. The comparison below is meant to help you decide before you apply, not after.
Common questions from contractors about qualifying, draw schedules, funding amounts, and the application process.
Yes. MCA for contractors is evaluated on monthly deposit volume from your business bank account over the last 6 consecutive months. Even if deposits are periodic (large project payments every 2-6 weeks), funding sources understand contractor cash flow patterns. Minimum: $4,000-$6,000/month in average monthly deposits, 6 months in business, 500 FICO.
Draw schedules create the most common cash flow gap contractors face: you purchase materials at job start, but the first draw doesn't arrive for 2-4 weeks. MCA bridges this gap. The advance is approved based on your past deposit history, not your future draw schedule.
Contractor funding typically ranges from $25,000 to $300,000 depending on average monthly deposits. The general offer is 75-150% of average monthly deposits. A contractor averaging $60,000/month in project payments may qualify for $45,000-$90,000.
Minimum requirements: 6 months in business, $4,000-$6,000+ average monthly deposits through a business checking account, 500+ FICO credit score, no active bankruptcies. No collateral required.
No collateral is required. MCA funding for contractors is unsecured: repayment is taken as a daily percentage of deposits (typically 8-15%), not linked to any physical asset. No equipment liens, no property pledges, no personal assets at risk.
Most contractors receive an approval decision after submitting 6 consecutive months of bank statements. Funds are released after contract signing on the funding provider’s own timeline. For urgent material purchases before a job starts, funding after provider review is possible for complete applications submitted before noon.
Yes. MCA funding sources evaluate the 6-month average deposit volume, not individual transaction timing. A contractor with 2-3 large project payments per month is well understood in MCA review. What matters is that the average monthly deposit volume is $4,000-$6,000 minimum over the trailing 6 consecutive months.
One-page application. 6 consecutive months of bank statements. Review begins as soon as your file is complete.
500 FICO OK · No collateral · $4,000-$6,000+/month average deposits minimum
Or call/text: 330-238-3003
T.A.G. Business Funding
Cover materials and payroll now. Repay from project deposits as they come in.
500 FICO minimum · $4K-$6K+/month in deposits · Bank declines OK
Contractor Funding by State
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