Texas Markets
Contractor Funding by Texas City
Dallas / Fort Worth
Massive commercial and residential market. Strong underwriting across all contractor types — high deposit volumes from large project draws.
Typical: $30K–$400K
Houston
Energy and refinery sector contractors alongside residential. Energy-adjacent contractor payroll needs are common MCA use cases.
Typical: $30K–$400K
San Antonio
Military construction and civilian residential. Consistent contractor activity year-round. Strong HVAC contractor market given climate.
Typical: $20K–$200K
Austin
Tech boom has created massive commercial and residential contractor demand. Higher-end residential market drives strong deposit profiles.
Typical: $25K–$250K
Permian Basin / Midland / Odessa
Energy sector contractors with oil company clients. Large project payments create strong monthly deposit volumes for MCA underwriting.
Typical: $30K–$300K
El Paso / Corpus Christi / Other TX
Regional markets with steady contractor activity. Same national funder network — same approval criteria statewide.
Typical: $15K–$150K
Qualification
Texas Contractor MCA Requirements
Minimum Monthly Deposits
$10,000/month
Minimum FICO
500 (soft pull only)
Time in Business
6+ months operating
Documents Required
6 consecutive months bank statements + application
Advance Range
$20,000–$400,000
Funding Timeline
Decision 2–6 hrs; funded 24–48 hrs
FAQ
Texas Contractor Funding — FAQ
Can a Texas contractor get an MCA after a bank decline?
Yes. Texas contractors qualify for MCA based on bank deposit volume — not credit scores or bank relationships. Minimum: 6 months in business, $10,000/month in deposits, 500 FICO. Texas has one of the largest construction markets in the US.
How much can a Texas contractor get with MCA?
Texas contractor MCA amounts range from $20,000 to $400,000 depending on monthly deposits. A Dallas GC averaging $100,000/month may qualify for $75,000–$150,000. A Houston roofer averaging $60,000/month may qualify for $45,000–$90,000. A San Antonio HVAC company averaging $40,000/month may qualify for $30,000–$60,000.
Can a Texas contractor use MCA for draw cycle bridging?
Yes — draw cycle bridging is the most common MCA use case for Texas construction contractors. Materials and labor must be paid before the next draw is released. MCA provides the 2–4 week bridge and is repaid from daily bank deposits as project draws arrive.
Can a Texas oil field services contractor get MCA?
Yes. Texas energy sector contractors — field services, equipment rental, pipeline maintenance, pressure pumping — qualify when they have consistent monthly deposits from oil and gas operators. Monthly deposits of $80,000+ from energy clients typically qualify for $60,000–$120,000.
What contractor types qualify in Texas?
All contractor types qualify: GCs, roofing, HVAC, electrical, plumbing, energy sector contractors, landscaping, paving, concrete, and specialty subcontractors. The primary requirement is 6 months operating with $10,000+/month in deposits.
Related Pages
Get Funding for Your Texas Contracting Business
500 FICO OK · No hard pull · Bank declines welcome
Dallas, Houston, San Antonio, Austin & all of Texas · Decision in 2–6 hours