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Quick Answer

Yes. Texas contractors qualify for MCA based on bank deposit volume, not credit scores or bank relationships. Minimum: 6 months in business, $4,000-$6,000+/month in deposits, 500 FICO. Texas has one of the largest construction markets in the US with hundreds of thousands of active contractors across residential, commercial, and energy sector work.

Texas  ·  Contractor Funding

Contractor Funding in Texas
Dallas, Houston, San Antonio & Statewide

Quick Answer: Texas Contractors

Texas contractors qualify for MCA based on bank deposit volume, not credit scores or project contracts. Minimum: $4,000-$6,000+/month in deposits, 500 FICO, 6 months operating. Advance range: $20,000-$400,000 (75-150% of monthly deposits). Review begins as soon as your file is complete. Funding timing is set by the funding provider after review. Draw cycle bridging, materials capital, equipment, and subcontractor payroll are all approved uses.

Texas is the nation's largest construction market. General contractors, roofing companies, HVAC, electrical, plumbing, and energy sector contractors all qualify through T.A.G.'s network of funders.

$20K-$400K
Advance range
40+
Competing funders
24-48 hrs
Funding timeline
500
Min FICO

Texas Markets

Contractor Funding by Texas City

Dallas / Fort Worth
Massive commercial and residential market. Strong review outcomes across all contractor types, driven by 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 review.
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

Contractor using a paint sprayer on an interior wall
Payroll and materials go out well before a GC or owner draw is billed and paid.

Texas Contractor MCA Requirements

Minimum Monthly Deposits
$4,000-$6,000+/month
Minimum FICO
500 (soft pull to start)
Time in Business
6+ months operating
Documents Required
6 consecutive months bank statements + application
Advance Range
$20,000-$400,000
Funding Timeline
Decision and funding timing set by provider

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, $4,000-$6,000+/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 $4,000-$6,000+/month in deposits.
Does Texas require MCA disclosure for contractors?
Yes. Texas HB 700, effective September 1, 2025, requires finance charge and total repayment disclosure (not APR) for financing under $1,000,000, with OCCC registration required by December 31, 2026. T.A.G. provides full disclosure (factor rate, total payback, holdback percentage) on every Texas offer.

Cash Flow Pattern

Roofing tear off debris loaded into a jobsite dumpster
The 30 to 90 day draw cycle shown above is common across trades. What varies is how a specific contractor's deposits absorb that wait.

The Texas Contractor Draw Cycle

A signed contract does not pay the crew. Texas contractors front materials, labor, and mobilization costs weeks before a GC or owner draw actually clears. The gap between doing the work and getting paid for it is what MCA is built to bridge, not a way to fund a business that is not otherwise winning signed work.

Texas contractor draw-cycle timeline Illustrative draw-cycle timeline for a Texas contractor: Contract Signed (Mobilization begins) then Work In Progress (Crew, materials, payroll) then Draw Requested (AIA / GC billing cycle) then Draw Paid (30-90 days later). The gap between mobilizing on a job and the draw that pays for it is what MCA is built to bridge. Contract SignedMobilization begins→Work In ProgressCrew, materials, payroll→Draw RequestedAIA / GC billing cycle→Draw Paid30-90 days later

Honest Guidance

When Texas Contractor MCA Is (and Isn't) the Right Move

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 or to cover a business that is not winning enough signed work on its own. The comparison below is meant to help you decide before you apply, not after.

When contractor MCA fits vs. when to wait, Texas A two-column comparison for Texas contractors: situations where a merchant cash advance solves a real, time-boxed draw-cycle gap, versus situations where a contractor should slow down, get a signed contract first, or compare a lower-cost option before applying. MCA fits right now when: A signed Dallas, Houston, or San Antonio commercial contract needs materials and labor paid before the next AIA draw. An energy-sector contract (field services, pipeline maintenance) has consistent deposits but a specific draw-timing gap. A new project win needs 2-4 weeks of bridge capital between mobilization and the first draw. Wait or compare options first when: You only have a bid or estimate, not a signed contract or purchase order. Deposits are down for reasons unrelated to a specific draw-cycle timing gap, and MCA would just cover a shortfall. You have time to compare a bank line of credit or SBA option before committing to a factor rate.

Related Pages

Contractor Funding Hub → Texas Business Funding → Texas Restaurant Funding → Construction Business Funding → Roofing Contractor Funding → HVAC Business Funding →

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Initial review uses a soft credit pull only. A hard credit pull typically occurs later, before final approval, and can affect your credit score by a few points.