Industries / Contractors

MCA Debt Relief For Contractors, Builders & Trade Businesses

You carry the cost of every job before the owner pays a dime. Materials, crew, equipment rentals, insurance and bonding all come first. Then come pay apps, 45 day terms and retainage you might not see until closeout.

A merchant cash advance can cover that gap for a few weeks, but daily payments and draw schedules don't mix. We help contractors bring their MCA payments in line with when they actually get paid, and take the funder calls off your plate so you can stay on the job.

Speak To A Contractor Debt Specialist (866) 733-2121
Contractor in a red hard hat on site Two site supervisors looking over a job
Electrical contractor, TX$3,900 → $1,450weekly debits after enrolling
Who we work with
Crew working on rebar at a construction site
Pay apps on 30 to 60 day terms
Retainage held until closeout
Material prices that jump mid job
Payroll every Friday
Equipment and bonding costs
Change orders stuck in approval

Why Contractors Get Squeezed Even When They're Busy

Construction is one of the few businesses where growing can actually hurt your cash. A bigger job means more materials and more crew up front, and the money comes in weeks after the work is done. Add retainage, a slow GC or a disputed change order, and it piles up fast.

That's why so many contractors end up with MCAs. They fund fast and they don't care about your backlog. But a funder pulling every business day doesn't care that your draw got pushed to next month either. The payment comes out regardless.

We put together seven cash flow tips for contractors waiting on payment that are worth a read either way.

Where The Money Actually Is On A $420,000 Job

Halfway through a commercial buildout, the job looks great on paper. Here's how much of it the contractor can actually use.

JOB #2417

Retail Buildout, Phase 2

Contract$420,000
  • Paid to you$189,000
  • Pay app approved, waiting on payment (net 45)$75,600
  • Retainage held until closeout (10%)$29,400
  • Work left to bill$126,000

You've earned $105,000 on this job that you can't touch yet.

Meanwhile, your advance takes $650 every business day
  • $3,250 a week
  • $14,300 a month
  • The same amount whether the draw came in or not

Why Daily Debits And Draw Schedules Don't Mix

A daily debit assumes money comes in every day. Contractors get paid in chunks, usually 30 or more days apart. So in the weeks between draws, the advance gets paid out of whatever's left after payroll and suppliers, and some weeks there isn't anything left.

When that happens, a lot of owners take a second advance to cover the first until the next draw lands. It works once. Then the next job runs long, and now there are two daily payments against the same slow draw. That's where most of our contractor clients are when they call us.

"I had $90K tied up in retainage and two advances eating me alive. The funders didn't care when the GC paid."Jason T., electrical contractor
Contractor reviewing plans

You might need MCA relief if you're...

Signs Your Business Is Stuck In A Debt Cycle

Busy and broke at the same time is more common in the trades than anyone admits.

Taking an advance to cover payroll until the next draw
Paying suppliers late and losing your terms
Passing on jobs because you can't front the materials
Stacking a second or third MCA
Getting funder calls while you're on site
Worrying about liens on your equipment or receivables

How We Help Contractors Get Back On Solid Ground

Your plan should follow the way you get paid. We build it around your draw schedule, your receivables and the jobs you have lined up.

01

Free review of your MCA agreements, job schedule and receivables

02

A payment plan that follows your draws instead of a daily debit

03

We deal with the funders so you can stay focused on the job site

04

Room to bid and take on work again without fronting it on an advance

Speak To A Contractor Debt Specialist

Customer Results

Recent settlements for contractors and trade businesses we've worked with.

41%Savings

Roofing contractor, AZ
Debt: $95,000
Paid: $56,050

55%Savings

HVAC company, GA
Debt: $158,400
Paid: $71,280

62%Savings

General contractor, NC
Debt: $241,000
Paid: $91,580

48%Savings

Landscaping company, FL
Debt: $73,500
Paid: $38,220

59%Savings

Electrical contractor, TX
Debt: $189,000
Paid: $77,490

What Contractors Are Saying

I was waiting 60 days on invoices and paying the advance every day. They fixed that gap and I can actually bid on bigger jobs again.

★★★★★
MH
Mike H.
HVAC Contractor

Took an advance for a commercial job that got delayed four months. These guys got me out of a really bad spot.

★★★★★
CR
Carlos R.
General Contractor

Good communication the whole way through. I always knew what was going on with my file.

★★★★★
DP
Dave P.
Roofing Company Owner

I had a $90K job tied up in retainage and two advances eating me alive. They got it. Payments now line up with my draw schedule instead of hitting every single morning.

★★★★★
JT
Jason T.
Electrical Contractor

Got a straight answer every time I called, which is more than I can say for the funders. Professional from start to finish.

★★★★★
RM
Rosa M.
Landscaping Company Owner

Waiting on draws and retainage? Our guide Cash Flow Tips For Contractors Waiting On Payment has seven practical ways to manage the gap.

Read The Article

Common Questions Contractors Ask About MCA Relief

Can I keep working my current jobs?

Yes. You keep working, billing and getting paid like normal. Nothing about the program should slow down your jobs.

Will this affect my bonding?

It can come up, so tell us about your bonding on the consultation. We'll plan with your surety relationship in mind and talk through anything that could affect it before you decide.

My funder filed a UCC on my receivables. Can you still help?

Yes. Almost every MCA comes with a UCC filing. It doesn't stop us from working with the funder, and if they've already sent notices to your customers, that's one of the first things we'll deal with.

Will the GC or my customers find out?

Usually not. We work with your funders directly and your customers don't need to be involved. If a funder has already contacted them, we'll tell you how we plan to handle it.

My work is seasonal. Can the plan handle slow months?

It should. We look at your revenue across the year, not just your busy season, and build the plan so it still works when the jobs slow down.

Is this the same as bankruptcy?

No. Bankruptcy is a court process. Our program is worked out directly with your funders outside of court, and your business keeps running the whole time. If bankruptcy might honestly be a better fit for you, we'll say so and suggest you talk to a bankruptcy attorney.

Will this affect my credit?

It can. Restructuring or settling debt may show up on your credit, and some funders report missed payments. We'll go over what to expect on your consultation so nothing catches you off guard. Most owners we talk to are more worried about keeping the business open than about their score, but it's your call to make.

Free, Private MCA Consultation For Contractors

Answer a few quick questions and pick a time that works for you. It takes about a minute and there's no obligation.

01 02 03 04

How much debt does your business have?

Please choose an amount to continue.

Do you have an MCA or unsecured business loans?

Please choose one to continue.

Where can we reach you?

Book your free consultation

Ready to have your situation reviewed by a certified Workout Senior Underwriter? Start the process by booking a free initial consultation.

Open the booking calendar in a new tab

Want to talk now? Call us at (866) 733-2121