Fast Working Capital for Construction Companies & Contractors
Stop waiting for draw payments. MyCommercialFunding — led by Richard McKellar with decades of MCA experience — provides US construction businesses and contractors with fast capital for materials, mobilization, payroll, and equipment. Same-day approvals. Funded in 24–48 hours.
- No real estate or equipment liens required
- Funding based on gross monthly deposits
- Approvals in hours — not weeks
- Credit scores 500+ considered
Why Construction Cash Flow Is Unlike Any Other Business
Construction businesses face a cash flow paradox: you win the job, you mobilize immediately, you spend money on materials, labor, and equipment — and then you wait. Draw payment schedules, slow-paying GCs, lien waiver requirements, and retainage held until project completion can leave a well-run construction business cash-strapped for weeks or months at a time.
Banks understand this intellectually but rarely have a product built for it. Their fixed payment schedules don't account for the feast-and-famine nature of construction cash flow, and their underwriting timelines move far too slowly when you have a project award letter in hand and a mobilization deadline in two weeks.
MyCommercialFunding works with funders who specialize in construction businesses, understand the project-based revenue model, and can move as fast as your job sites do.
What Construction Businesses Use Funding For
Project-based capital solutions built around how construction companies actually generate and receive revenue.
Material Deposits
Lock in material pricing and ensure job site readiness with upfront cash for lumber yards, concrete suppliers, steel distributors, and specialty vendors.
Equipment Purchases & Repairs
Keep your fleet on the road and your job sites running. Fund emergency repairs, lease buyouts, or specialized equipment needed for a specific contract.
Payroll Between Draws
Ensure your crew is paid on time, every time — even when the GC's draw payment is running two weeks late or retainage is being held.
Mobilization Capital
Fund the start of a new project immediately after contract award — before the first draw is issued. Don't lose momentum waiting for initial progress payments.
Bonding & Insurance
Cover performance bonds, payment bonds, and liability insurance premiums that are required to bid or start new government or commercial contracts.
Working Capital Buffer
Maintain a capital reserve for unexpected project costs, subcontractor back charges, and the normal surprises of active construction projects.
How It Works for Construction Businesses
Quick Conversation or Application
Tell us your trade, how long you've been operating, your monthly revenue, and what you need capital for. We can give you a realistic read within minutes.
Submit Your Documentation
Typically 3–6 months of business bank statements, a completed application, your ID, and a voided business check. For larger amounts, a current contract or award letter may also help.
Underwriting and Funder Matching
We package your file and present it simultaneously to construction-friendly funders in our network. Our team knows which funders work best for your trade and revenue profile.
Review Your Offers
We explain every offer in plain English — advance amount, factor rate, total payback, holdback percentage, and estimated repayment timeline. No surprises.
Funded in 24–48 Hours
Sign the agreement and capital hits your business bank account within one to two business days. Fast enough to fund mobilization on a project with a tight start date.
Construction Funding Example
Advance Amount
$80,000
Factor Rate
1.35×
Total Payback
$108,000
Daily Holdback
12%
A GC doing $100,000/month in gross deposits uses $80,000 to fund material deposits and crew mobilization for a municipal contract. At 12% holdback, monthly remittance is approximately $12,000. Advance typically repaid in 9–12 months.
Frequently Asked Questions About Construction Business Funding
"We landed a municipal contract but needed $200K fast for mobilization. MyCommercialFunding moved faster than the bank even answered the phone. We're four weeks into the job now."
Jim R.
Owner, Northeast Civil Solutions
Start Your Next Project Fully Funded
Same-day approvals. Funding in 24–48 hours. No equipment or real estate collateral required.
Get Funded Now