Industry Authority Center
You start work on Day 1. The draw doesn't arrive until Day 45. Payroll doesn't wait for project schedules. Banks want the project receivable as collateral — which doesn't exist until the work is done. MCA funds against your past deposit history and gets you capital in 24–72 hours.
General contractors and subcontractors qualify for MCA with 500+ FICO, 6+ months in business, and $4,000–$6,000+/month in deposits. MCA bridges draw schedule gaps, covers payroll, and funds materials — without requiring equipment, bonding, or project receivables as collateral. Funded in 24–72 hours.
Start with the path that matches your situation.
You mobilize on Day 1. Your first draw arrives on Day 45–90. That's the gap MCA bridges.
Unrestricted capital — goes where your project and business needs it.
The 4 factors underwriters evaluate on every construction company application.
Construction factor rates: 1.18–1.38 for strong profiles. Lump-sum draw deposits (common in construction) are averaged across 3 months — underwriters expect payment irregularity in this industry.
Same contractor, two completely different underwriting conversations.
MCA advance amounts are based on average monthly deposits from your business bank account — not project receivables, bonding capacity, or equipment value.
| 3-Mo Avg Monthly Deposits | Min Advance (0.75×) | Typical Advance (1.0×) | Max Advance (1.5×) |
|---|---|---|---|
| $15,000/month | $11,250 | $15,000 | $22,500 |
| $40,000/month | $30,000 | $40,000 | $60,000 |
| $80,000/month | $60,000 | $80,000 | $120,000 |
| $150,000/month | $112,500 | $150,000 | $225,000 |
| $300,000/month | $225,000 | $300,000 | $450,000 |
Higher multipliers (1.0×–1.5×) require 12+ months of operation, consistent deposit history, and fewer than 2 NSFs per month. Construction companies with seasonal revenue gaps and strong peak-season deposits often qualify at 1.0× based on annualized average. → Estimate your daily payment with the MCA Calculator
Common questions from GCs, subcontractors, and specialty contractors about qualifying and how MCA works for construction.
Yes. General contractors and subcontractors qualify for MCA with 500+ FICO, 6+ months in business, and $4,000–$6,000+/month in business bank deposits. MCA underwriters evaluate project draw deposits and subcontractor payments from your bank statements — not your bonding capacity, equipment value, or project receivables.
Construction company MCA funding typically ranges from $25,000 to $1,000,000 depending on average monthly deposits. A GC averaging $60,000/month in deposits may qualify for $45,000–$90,000. Larger contractors averaging $200,000+/month may qualify for $150,000–$400,000.
Yes. This is one of the most common uses of construction MCA. Draw schedules on commercial and residential projects often pay 30–90 days after work is completed. MCA bridges the gap — funded against your past deposit history, not your pending draws.
No. Construction MCA does not require heavy equipment, vehicles, tools, bonding capacity, or project receivables as collateral. Repayment comes from a daily percentage of your business bank deposits — typically 10–14%. No equipment liens, no bond assignment.
Yes. Bank declines do not affect MCA eligibility. Banks often decline construction companies because of revenue seasonality and draw schedule irregularity. MCA evaluates your actual bank deposit history — not the bank's construction industry risk model.
Most construction MCA applications receive a decision within 2–4 hours of submitting 6 consecutive months of bank statements. Funding is deposited within 24–72 hours of contract signing. Payroll-critical situations can sometimes be prioritized for same-day or next-day funding.
Yes. MCA funds are unrestricted. Contractors use MCA for equipment down payments, tool purchases, vehicle repairs, materials advance for a new project, bonding insurance premiums, sub payroll, and operating capital between draws.
Seasonality affects factor rates but rarely disqualifies a construction company. MCA underwriters expect construction revenue to vary by season. They average your 3-month deposit history — a strong summer and fall followed by a slow winter and spring is a normal construction revenue pattern. Larger contractors with 2+ years of consistent annual deposits typically qualify at 1.0×–1.25× average monthly deposits even with seasonal gaps. The key metric is total annual deposits divided by 12, not any single month.
When you accept an MCA, the provider files a UCC-1 financing statement against your business assets to document their interest in your future receivables. This is a public filing and may appear in bond underwriting searches. Most surety companies do not treat a UCC-1 lien on receivables as a disqualifying factor for bonding capacity — it is different from a lien on specific equipment or a property. However, if you plan to seek bonding within 60–90 days of taking an MCA, disclose the UCC-1 to your bond agent proactively to avoid surprises.
One-page application. 6 consecutive months of bank statements. Decision in 24–72 hours.
500 FICO OK · No equipment collateral · Draw schedule gaps covered
Or call/text: 330-238-3003
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
Have more questions? See our complete MCA FAQ →
