Contractor Advance · 2026

Contractor Cash Advance: Fast Capital to Keep Building

Fast, revenue-based capital for busy contractors — repaid as a slice of deposits — to keep crews moving across every site, funded in as little as 24 hours.

Get Funded →

24hrFunding speed

$2MMax advance

500+Min FICO

Multi-siteSupported

What is a merchant cash advance for contractors?

A contractor cash advance gives a busy contractor a lump sum repaid as a slice of deposits — fast and credit-flexible (FICO 500+). Siteline Capital advances $5,000 to $2,000,000 in as little as 24 hours on your total revenue, so you can mobilize and keep crews moving across every site.

How a contractor cash advance works

Apply in 5 minutes

Short online application with a soft credit pull that does not affect your score.

We review your deposits

Approval and your offer are based on your recent bank deposits.

Get your advance

Receive a lump sum, often within 24 hours of approval.

Repay from deposits

A small fixed daily or weekly amount is remitted until it is paid.

Factor rates explained

An MCA is priced with a factor rate, not an interest rate. Here is how the cost works.

Term	What it means	Example
Advance amount	The cash you receive up front	$50,000
Factor rate	A multiplier that sets total payback	1.30
Total payback	Advance x factor rate	$65,000
Holdback	% of deposits remitted per period	10-15%
Term	How long repayment takes	~4-18 months

Merchant Cash Advance Calculator

See total payback and your estimated daily and weekly payment. Adjust the sliders below.

Advance amount $50,000 Factor rate 1.30 Estimated term 10 months

$65,000Total payback

$295Est. daily payment

$1,477Est. weekly payment

Estimates only, for illustration. Factor rate and term are set at underwriting based on your revenue.

MCA qualification requirements

US-based construction or contracting business
4+ months in business
~$30,000+ in monthly revenue
Last 3 months of business bank statements
Valid EIN and business bank account
FICO 500+ (approval weighted on revenue)

Cost, amounts & speed

Advances through Siteline Capital run from $5,000 to $2,000,000, priced with a factor rate (commonly 1.15-1.45) set by your revenue and deposit health.

Repayment is a small fixed daily or weekly debit, so it flexes with your cash flow. Most advances fund within 24 hours.

Use the calculator above to see your total payback and daily payment.

Contractor trades that use advances

Multi-Site GCs

Fast capital to mobilize the next site.

Commercial Contractors

Cover crews and materials on a big job.

Heavy Civil

Fund fuel and haul between pay apps.

Growing Trades

Advance against deposits to scale crews.

When an advance makes sense (and when to consider alternatives)

You need cash fast — An advance can fund same-day or within 24 hours when timing matters.
Your credit is weak — Approval leans on deposits, so bank turndowns are common approvals.
A draw is slow — Cover payroll and materials now and repay as the project pays.
Consider an alternative if you can wait — A line of credit or term loan usually costs less if you qualify.
Avoid stacking — Taking a second or third advance on top drains cash — consolidate instead.

Frequently asked questions

Can I fund several jobs with one advance?

Yes — the advance is based on your total deposits, so it supports cash flow across all your active sites.

Is an advance or a line of credit better for scaling?

A line of credit is reusable and usually cheaper if you qualify; an advance is faster for a time-sensitive need.

How fast can I get a contractor cash advance?

Most advances fund within 24 hours of approval; smaller amounts can be same-day.

What is a factor rate?

A factor rate (e.g. 1.30) is multiplied by the advance to set total payback — a $50,000 advance at 1.30 repays $65,000.

Can I refinance an expensive advance?

Yes — we can consolidate or refinance an existing advance into a lower daily payment.

Will checking my options affect my credit score?

No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.

What can I use the funds for?

Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.

Are there any upfront or application fees?

No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Factor rates, figures, and calculator estimates are illustrative 2026 examples and vary by underwriting; your actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.