Construction runs project by project, and that creates a basic cash flow problem. You pay for materials, labor, and equipment before you get paid. Milestones slip. Clients pay slowly. Overhead never stops.
MCA funding gives contractors fast capital that keeps pace with the work. Here's how it works.
The Construction Cash Flow Problem
A general contractor wins a $500,000 commercial renovation. Materials must be bought before work starts, subs paid weekly, equipment rented or bought. The client's first milestone payment doesn't arrive for 60 days.
That gap between spending and getting paid is where most construction businesses struggle, and banks can't fill it fast enough. MCA funding typically fills it the same day.
Common Uses of MCA Funding for Contractors
Material costs. Lumber, concrete, steel, electrical, plumbing: projects need big material buys up front. MCA funding covers them before project revenue arrives.
Subcontractor payments. Pay your subs on time or they walk. MCA funding helps you pay them wherever you are in the client payment cycle.
Equipment purchases and rentals. Excavators, lifts, compressors, and specialty tools are expensive. MCA funding covers equipment costs so you can take on jobs that need gear you don't own.
Gaps between milestones. When a milestone payment is late or a timeline shifts, MCA funding keeps your operation running.
Hiring and scaling. A large project, or several at once, means growing your crew fast. MCA funding covers labor while project revenue ramps up.
Bonding and licensing fees. Many states require contractors to keep bonding and licensing current. MCA funding covers these costs so you can keep working.
Need funding fast? Apply with Lenifi in 2 minutes. Same-day decisions.
Apply NowWhat Contractors Need to Qualify
At least 6 months in business, a business checking account, $15,000 or more in monthly revenue, and a 500+ personal FICO score.
General contractors, specialty trades, home improvement businesses, and commercial construction companies all qualify. Project deposits, milestone payments, and recurring service contracts all count as revenue.
Lenifi knows construction. We move fast because your projects can't wait. Apply today and get funded the same day, typically 2–6 hours after approval.
About the author
The Lenifi Underwriting Desk
Lenifi's underwriting desk works out of New York. We review merchant cash advance and term loan files every business day, reading bank statements, existing advances, revenue consistency, and time in business, and we publish the same criteria our underwriters use, so nothing in these guides is theory. Figures quoted here reflect our own published criteria, commission terms, and funding timelines.
Educational content only. It is not legal, tax or financial advice, and approval terms vary by file. Reviewed and maintained by the Lenifi underwriting and partner desks.
Questions? Contact our team or apply in 2 minutes.