Turn your revenue into fast capital — a contractor cash advance repaid as a small slice of deposits, funded in as little as 24 hours.
Get Funded →$25K to $5M for contractors and builders — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Short online application with a soft credit pull that does not affect your score.
Approval and your offer are based on your recent bank deposits.
Receive a lump sum, often within 24 hours of approval.
A small fixed daily or weekly amount is remitted until it is paid.
An MCA is priced with a factor rate, not an interest rate. Here is how the cost works.
| Term | What it means | Example |
|---|---|---|
| Advance amount | The cash you receive up front | $50,000 |
| Factor rate | A multiplier that sets total payback | 1.30 |
| Total payback | Advance x factor rate | $65,000 |
| Holdback | % of deposits remitted per period | 10-15% |
| Term | How long repayment takes | ~4-18 months |
See total payback and your estimated daily and weekly payment. Adjust the sliders below.
Estimates only, for illustration. Factor rate and term are set at underwriting based on your revenue.
Advances through Funded Contractor Capital run from $5,000 to $2,000,000, priced with a factor rate (commonly 1.15-1.45) set by your revenue and deposit health.
Repayment is a small fixed daily or weekly debit, so it flexes with your cash flow. Most advances fund within 24 hours.
Use the calculator above to see your total payback and daily payment.
Advance against deposits to mobilize on the next job.
Fast capital for crews and materials when a draw is slow.
Cover fuel, payroll, and haul between pay apps.
Fund materials and labor before the client draw.
Apply in 5 minutes with a soft credit pull. Get funded fast and keep building.
Get Funded →Factor rates, figures, and calculator estimates are illustrative 2026 examples and vary by underwriting; your actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.
Approved on your revenue, not just your credit. Start your 1-minute application.
Capital built for builders — mobilization, equipment, materials, and payroll between draws.
GCs, subs, and specialty trades. Design-build, draw funding, and growth capital sized to your jobs.
Win a bid, buy materials, or bridge a slow-paying GC — decision in as little as 4 hours.
500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.
Approved on your deposits, not just your score. Funded in as little as 24 hours.
Funding trade and specialty construction businesses with $25K–$5M in fast, flexible capital.
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute