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Construction Funding
When You Need It

Get $50K–$1M in working capital to bid bigger, buy equipment, and cover gaps between jobs. No credit pull. 24-48 hour funding.

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Home›Industries›Construction Funding
Last Updated: February 2026

Construction companies operate on tight schedules and tighter cash flow. You win a bid but don't get paid until the job completes. Materials need to be purchased now. Equipment breaks down mid-project. Payroll doesn't wait. Vault Capital Group provides merchant cash advances ($50K–$1M) designed for construction's project-based economics. Fund immediately, repay from project revenue. No bid bonds required. No liens on your equipment. No months of bank underwriting. You get an offer within hours and capital within 24-48 hours. Whether you need working capital between jobs, equipment purchases, materials financing, bid bond support, or general cash flow management, Vault Capital funds construction companies nationwide with all credit profiles welcome.

How It Works for Construction

Fast capital for
project-based work.

Step 1: Apply (5 Minutes)

One-page application plus 3 months of business bank statements. No credit pull — won't affect your score. No collateral required. Most construction companies apply from the office or job site.

Step 2: Get Your Offer (Same Day)

Our team reviews your revenue, deposit history, and project pipeline. You receive a real offer with clear terms and your exact repayment amount.

Step 3: Get Funded (24-48 Hours)

Sign the agreement and capital lands in your business account within 24-48 hours. Start your next project immediately. Repay from project revenue.

Real Funding Scenarios

How construction companies
use Vault Capital Group.

Equipment Purchase

A 12-person roofing crew won two large contracts but needed new equipment ($180K). Got $175K MCA at 1.25 factor. Repayment: ~$500/day from project deposits. Equipment paid for in 6 months. Completed projects 1 year early.

Materials Financing

General contractor bidding commercial jobs needed $120K for initial material purchases. Got approved for $120K MCA. Paid for materials upfront. Completed 3 projects and fully repaid advance in 8 months from project revenue.

Payroll Bridge

Framing company: paid crews weekly but clients paid 45–60 days net. Cash flow gap = $95K. Got MCA to cover payroll gaps. Within 6 months, pipeline strengthened and advance was fully repaid.

Bid Bond Support

HVAC contractor wanted to bid on larger municipal contracts (requires surety bonds). Had working capital gap. Got $200K MCA to improve balance sheet. Bonding company now approved for $500K in bonds. Can now bid projects 2–3x previous size.

Why Builders Choose Vault

Built for
construction.

Project-Based Repayment

Repay from project revenue as jobs complete. No fixed monthly payments. Your cash flow drives your repayment schedule, not the other way around.

Funded in 24-48 Hours

Win a bid on Monday, have capital by Wednesday. Construction doesn't wait for 60-day bank underwriting. We move at construction speed.

No Collateral or Liens

We don't require liens on your equipment, vehicles, or property. Funding is based on business revenue, not assets. Keep full control of your assets.

All Credit Profiles Welcome

Bad credit from business challenges? No problem. MCAs approve on business revenue, not credit scores. We fund construction companies banks have rejected.

Flexible for Seasonal Work

Construction is seasonal. Underwriting accounts for winter slowdowns, weather delays, and seasonal project gaps. Structured to match your actual cash flow patterns.

Direct + 75 Partners

One application gets you matched to the best available terms. We fund directly or match with our partner network. Best possible deal, fastest.

Qualification Requirements

Simple. Transparent.
No surprises.

  • Business in operation for at least 12 months (construction is project-based)
  • Minimum $12,000–$20,000 in average monthly revenue (varies by region)
  • Business bank account with 3 months of statements showing deposits
  • Valid business license and ID
  • No specific credit score requirement
  • Active project pipeline or recent project history
Common Questions

Everything you need
to know.

What factor rate should I expect?
Construction MCAs typically range from 1.15 to 1.40 depending on your revenue, project history, and consistency of deposits. A $250K advance at 1.25 factor means you repay $312,500 total. Our calculator shows exact costs before you apply.
How are construction repayments structured?
Most construction MCAs use a percentage of daily ACH deposits (typically 10–20%). As project payments hit your account, a portion goes to MCA repayment. Slow week? Lower repayment. Busy week? Higher repayment. Designed around actual cash flow.
Can I use this for subcontractor payments?
Yes. Many general contractors use MCAs to pay subs upfront, then recover from client payments. Subs get paid, projects move faster, and you improve relationships with your subcontractor network.
What if I have gaps between projects?
That's expected in construction. Our underwriting looks at 12 months of history to understand your seasonal and project-based patterns. We structure advances knowing there are slow periods between big projects.
Can I get funding if I'm between contracts?
Generally, yes—if you have 12+ months of history showing consistent revenue and deposits. If you just started, we may require partnership with an established contractor or additional documentation. Contact us with your specific situation.
Ready to Bid Bigger

Get construction funding
in 24-48 hours.

One application. Real offer same day. Capital by tomorrow. No credit pull. No liens. No collateral.

Start Your Application

Questions? Email us. We're here to help.

info@vaultcapitalgrp.com