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For contractors & trades

Capital that arrives
before the next draw.

Revenue-based funding — also called a Merchant Cash Advance (MCA) — sized to your project pipeline and repaid as a small slice of daily deposits. Capital in days, not weeks, when the materials invoice can't wait for the AIA cycle.

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Same-day decisions · No impact to credit · $5K – $1M+

Why MCA works here

Why contractors use revenue-based funding.

Draw cycles, materials deposits, lumpy receivables, and seasonal starts. MCA is the bridge between the work going in and the customer's check coming out.

Bridge between draws

Project draws hit on the GC's schedule, not yours. Payroll, fuel, and materials don't pause for the AIA cycle — MCA covers the gap so the crew shows up Monday regardless.

Materials upfront

Lumber, concrete, steel, MEP rough-in — suppliers want deposits before delivery. Capital in days lets you lock pricing and start the job without waiting for the customer's first check.

Equipment, tools & vehicles

Excavator, skid steer, work truck, scissor lift — own the asset instead of renting. Pair MCA with equipment financing when speed matters but you want to keep some structure on the long-term debt.

Bonding capacity & project starts

Funding new project starts, posting bid bonds, hiring crew ahead of mobilization — fast, flexible capital that doesn't tie up the bonding line you'd rather keep open for the next job.

Qualification

What lenders look for.

Underwriting varies across our partner network, but construction deals are typically evaluated against a similar set of signals.

  • GC, subcontractor, or specialty trade

  • Active state contractor license (where required)

  • Monthly gross revenue of $25K+; $50K+ widens the field

  • At least 1 year in business — exceptions case-by-case

  • No bankruptcies in the past 2 years

  • US-registered entity with active business checking

If a deal doesn't fit one partner, we match to another. One application, many shots on goal.

Deal structure

Typical construction deal.

Construction MCA deals in our network typically range from $25K to $1M, with the bulk landing between $50K and $300K. Factor rates run from roughly 1.20 to 1.49 depending on time in business, license status, and deposit pattern.

Repayment is generally over 6 to 18 months via fixed daily or weekly ACH debits, sized to deposits the business can service even during slower months. Longer-term construction files with strong financials may qualify for monthly-pay structures.

$25K – $1M

Typical funding range

6 – 18 mo

Term length

Daily ACH

Repayment style

Documents

What you'll need.

Nothing to start a Soaring application — but once a partner is interested, expect to share the following at the underwriting stage.

  • Last 3 months of business bank statements

  • A voided business check

  • Driver's license or government-issued ID

  • Proof of business ownership (EIN letter, formation docs)

  • Active contractor license number (state or local)

Construction FAQ

Common questions.

Other industries we serve

Explore more funding programs.

Restaurants

Trucking

Healthcare

Retail

Auto repair

Ready when you are

Ready to find your lender match?

One application. Multiple lenders. No impact to your credit score.

Check eligibility →See if you qualify