T.A.G. Business Funding T.A.G. Business Funding

Industry Authority Center

Contractor Funding That
Understands Draw Schedules

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.

$1.8T
US construction industry
45–90 days
Average payment delay
$25K–$300K
Typical advance range
24–72 hrs
Decision timeline

Where Are You Right Now?

Start with the resource that matches your situation.

🏗️
Materials Before Draw
Job starts in days. First draw is weeks away. You need materials now.
📉
Payroll Between Projects
Job wrapped up. New one starts next month. Crew still needs to get paid.
🔧
Equipment Breakdown
Critical equipment failed mid-job. Repair or replace immediately.
📈
Scaling to Bigger Jobs
You won a contract larger than anything you've funded before.

Contractor Funding Resources

Every tool, guide, and reference built for contractors and trade businesses.

📖

Contractor Funding Guide

How MCA solves draw schedule gaps, what underwriters look for in contractor bank statements, how large project deposits are evaluated, and how to maximize your approval odds.

Guide⏱ 15 min read
Read the Guide →
🧮

Contractor MCA Calculator

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.

Calculator⏱ 2 min
Open Calculator →
✅

Contractor Funding Checklist

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.

Checklist⏱ 5 min
Get the Checklist →
📊

Contractor Cash Flow Guide

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.

Guide⏱ 12 min read
Read the Guide →
🎯

Contractor Approval Factors

How underwriters read periodic project deposits vs. steady daily deposits. What makes contractor bank statements look strong or weak — and exactly how to improve yours before applying.

Guide⏱ 10 min read
See Approval Factors →
🤖

Contractor AI Prompt Pack

15 ChatGPT prompts for contractors — project cash flow analysis, bid profitability, draw schedule planning, vendor payment terms negotiation, and funding prep.

AI Tool⏱ Use anytime
Get the Prompts →
🗺️

How Funding Works

Six steps from application to funded account. Full timeline, document requirements, and what to expect. Know the process before you commit to it.

Guide⏱ 10 min read
See the Process →

Contractor Approval Snapshot

How underwriters read contractor bank statements — which are fundamentally different from retail or restaurant accounts.

Factor 1 — Critical
Monthly Deposit Average
Strong: $30K+/month avg Acceptable: $10K–$30K Risk: Under $10K avg
Factor 2 — High Impact
Deposit Consistency
Strong: Deposits most weeks Acceptable: 2–3 large/mo Risk: 1 deposit per month
Factor 3 — Medium Impact
NSF Frequency
Strong: 0 NSFs Acceptable: 1–2/month Risk: 3+/month
Factor 4 — Qualifying
Existing MCA Positions
Strong: None Acceptable: 1–2 positions Risk: 3+ open positions

Factor rates for contractors: 1.15–1.32 for strong profiles. Large project deposits evaluated on 3-month average, not any single month.

The Draw Schedule Problem — and How MCA Solves It

Banks and MCA lenders look at contractor cash flow completely differently.

🏦 What Your Bank Sees

  • Irregular deposits look like unstable cash flow
  • Large single deposits followed by gaps trigger risk flags
  • Project-based income doesn't fit standard underwriting models
  • Requires 2 years of tax returns — projects inflate revenue, not net income
  • Seasonal slow periods look like revenue decline
  • Typical decision time: 60–90 days

✅ What MCA Underwriters See

  • Project payments are large deposits — more volume per event
  • 3-month average deposit volume smooths out timing differences
  • MCA lenders understand contractor project cycles
  • No tax returns required at initial review
  • Previous project history proves future payment capacity
  • Decision: same day after 3 months of statements submitted

The key insight: a contractor averaging $60,000/month across periodic project payments looks exactly the same to an MCA underwriter as a restaurant doing $60,000 in daily card swipes. It's about the average, not the timing. Read the full Contractor Funding Guide →

Ready to Bridge the Gap?

One-page application. 3 months of bank statements. Decision in 24–72 hours.
500 FICO OK · No collateral · $10K/month average deposits minimum

Apply for Contractor Funding → Calculate Your Payment First

Or call/text: 330-238-3003