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Construction & Contracting Funding

Projects require capital upfront — materials, labor, equipment — but client payments arrive weeks later. Bridge that gap with same-week funding built for contractors.

Why Elite Funders

Capital for Contractors Who Can't Wait on Net-90

Construction and contracting businesses face a specific challenge: clients pay on 30, 60, or 90-day terms while subcontractors, material suppliers, and crew need to be paid immediately. Our lenders understand the construction business model and fund accordingly — faster approvals and more flexible terms than traditional banks.

Common Funding Uses

Materials & supply procurement for active jobs
Heavy equipment purchase or short-term rental
Subcontractor payroll bridging
Bid bonds & performance bonds
Fleet vehicle expansion
Insurance premiums & licensing fees
Recommended Product
Revenue-Based Financing or Term Loan
Larger amounts and longer terms suit construction's capital-intensive nature. Revenue-based repayment flexes with project billing cycles. Term loans work well for major equipment purchases.
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Quick Qualifications
  • 1+ year in business
  • $25,000+ monthly revenue
  • Active business account
  • 600+ credit score preferred (flexible)
Check My Eligibility
$5M
Max funding available
48 hrs
Average funding speed
$50K
Avg. funded amount

Frequently Asked Questions

Can a general contractor get same-day funding?
Yes — MCAs are available same-day. Larger term loans for equipment typically fund in 1–5 business days.
Do subcontractors qualify?
Yes. Specialty contractors, subcontractors, and trade businesses all qualify using the same criteria as general contractors.
Can I use funding to hire employees?
Absolutely. Payroll, hiring, and training costs are among the most common uses of construction business capital.
What if I have multiple open MCA positions?
We evaluate your net daily cash flow after existing positions. Many contractors with prior MCAs still qualify for additional capital.

Ready to Fund Your Contracting Business?

One application. 70+ competing lenders. Decision typically within hours, not weeks.

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Want to see all your options? Read our full guide to best funding options for construction.
Read the full comparison