Merchant Cash Advance
for Construction Companies
Turn Today’s Sales Into Tomorrow’s Working CapitalGet a Cash Boost & Repay as You Earn.
If your construction business accepts equipment rentals, service calls, or progress draws, a merchant cash advance (MCA) can convert the percentage of future revenue into fast, usable cash.
Real World Use Cases
Scaling a Fleet for Multi-Site Expansion
You’ve won three simultaneous contracts that require more site mobility. You need $250,000 to purchase two used flatbed trucks and a skid steer for hauling and mobilization. With steady monthly revenue of $600,000 from commercial clients, you secure a merchant cash advance that delivers funds within 48 hours — without needing collateral or waiting on bank underwriting.
Covering Payroll During a Temporary Cash Crunch
A project payment is delayed by 10 days, and you need to cover $120,000 in payroll across two sites this Friday. Your company generates $500,000 a month in revenue from subcontracting and general contracting work. You qualify for a $150,000 advance, which is repaid gradually through a percentage of incoming revenue over the next few weeks.
Fronting Materials and Permits for a Multi-Phase Commercial Build
Your firm has been awarded a $10 million contract for a multi-phase office park build. To kick off Phase 1, you need $1.2 million up front to order structural steel, concrete, framing supplies, and secure permit packages across three jurisdictions. The client won’t release their first draw for another 30 days. You’ve averaged $1.8 million per month in revenue for the past 6 months, and you use that trailing performance to qualify for a merchant cash advance. The funds arrive quickly, allowing you to mobilize crews and begin site prep without delay.
How Construction Businesses Use Merchant Cash Advances
Material
Front short-term material costs on active jobs
Deposits
Cover equipment rental deposit
Payroll
Make partial payroll before billing clients
Crew
Keep crews busy between major projects
Supplies
Pre-buy supplies when suppliers offer limited-time deals
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Scaling a Viral Product
An eCommerce brand saw a surge in orders after a product went viral. A $180,000 MCA gave them fast capital to restock inventory and boost ad spend, with repayment tied to daily online sales.
Expanding a Freight Fleet
A logistics firm landed a high-volume contract but lacked upfront capital for new vehicles. A $400,000 MCA provided fast access to funds, letting them scale quickly and repay gradually through increased card-based dispatch revenue.
How It Works
The process for opening a bank account may vary slightly depending on the bank. However, the general steps involved in opening a bank account.
Share Statements
Share your bank statements to assess revenue (typically last 3–6 months)
Get Approved
Get approved for an advance based on your volume
Get Funded
Funds hit your account quickly
Repay
Repay gradually through a percentage of daily sales
How Repayment Works
Repayments for a Merchant Cash Advance (MCA) work differently from traditional loans. Instead of fixed monthly payments, MCAs are typically repaid in one of two main ways:
Percentage of Daily Credit/Debit Card Sales (Holdback Rate)
The most common method is for the MCA provider to automatically deduct a fixed percentage (usually 5%–20%) of your daily credit and debit card sales. This percentage, known as the "holdback" or "retrieval rate," is agreed upon in advance. Repayments fluctuate with your sales-if you have a busy day, you pay more; if sales are slow, you pay less. This continues until the total advance plus fees (determined by a factor rate) is fully repaid.
Fixed Daily or Weekly Withdrawals (ACH)
Alternatively, some MCAs are repaid through fixed daily or weekly withdrawals from your business bank account. This method is more predictable but does not adjust to your sales volume, so you must ensure sufficient funds are available regardless of your daily revenue
Is This Right for Your Business?
Not every business needs the same kind of funding—and that’s exactly where a Merchant Cash Advance fits in. If your revenue comes in steadily through sales but traditional loans feel slow, rigid, or out of reach, an MCA could be the flexible solution you’ve been looking for.
You process at least $50,000 per month or more in sales
You need funding quickly — without the paperwork
You want repayments that scale with job volume
You’ve been turned down by traditional lenders
Why it Works for Construction
Revenue Based
Based on your daily or monthly revenue — not your credit score
Flexible
No fixed payments — repayments flex with your income
Seasonal
Ideal for contractors with seasonal or variable work
Fast
Fast approvals — sometimes in under 24 hours
Simple
Minimal documentation — no tax returns, no collateral required
Keep Projects Moving
Without the Paper Chase
Not every business needs the same kind of funding—and that’s exactly where a Merchant Cash Advance fits in. If your revenue comes in steadily through sales but traditional loans feel slow, rigid, or out of reach, an MCA could be the flexible solution you’ve been looking for.
Loan Details
Here's a quick breakdown of what to expect when you apply for a Merchant Cash Advance through Capital Two. From funding speed to repayment terms, we keep it simple, clear, and designed around your business reality, not the bank’s checklist.
$50,000 – $2,500,000
% of future receivables
1–2 business days
Not required
550+
Why Us
The Benefits of Choosing Capital Two
Capital Two isn’t just fast. We’re built for business owners who need a partner, not just a lender. We offer transparent terms, real support, and funding solutions designed to meet you where you are and get you where you’re going.
Fast Approvals
You don’t have weeks to wait. We deliver funding decisions in as little as 24 hours, so you can act fast when it counts.
Flexible Solutions
No two businesses are alike. That’s why our financing options are tailored to your needs - not stuck in a template.
Dedicated Support
When you reach out, you get real people. Funding experts who listen, guide, and stick with you from start to funded.
Specialized Focus
We do one thing and that’s business funding. Our laser focus is the reason why we do it better: with insight, precision, and zero distractions.
