Industry funding
Funding for construction & trades
Typical advances of $15,000 – $350,000, underwritten on your deposit history rather than your credit file.
Contractors and trades businesses use merchant cash advances to fund materials and labor before a progress payment arrives. Underwriting considers business performance, deposit history, cash flow, and other applicable factors, which can help evaluate businesses with uneven monthly revenue.
Common uses in construction
- Materials ahead of a progress payment
- Crew payroll between draws
- Tools, plant and vehicle purchases
- Bonding and permit costs
- Taking on a larger contract
Why underwriting understands this trade
Every industry has a cash-flow shape, and a bank's credit model tends to read that shape as risk. A contractor's deposits arrive in lumps when draws hit, not as a smooth monthly wage.
We have funded this trade for years, so the pattern reads as normal rather than as a red flag. That is the practical difference between applying here and applying to an institution that has never underwritten your sector.
What to expect
Advances for construction & trades typically run $15,000 – $350,000, with terms of 3 to 18 months and remittances collected daily or weekly.
Cost is expressed as a factor rate. Your own rate depends on underwriting, and every offer comes with a written disclosure of the total dollar cost.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
Questions
Construction funding, answered.
How much funding can a construction business get?
Construction & trades may qualify for $15,000 – $350,000 at GLD Factoring LLC DBA GLD Funding. The amount is driven by average monthly deposits rather than credit score.
How fast can a construction business get funded?
Once we have a complete file, underwriting moves quickly and same-day funding is available on signed contracts. Actual timing depends on underwriting and your bank.
What do I need to apply?
4 months of recent business bank statements, plus basic business and owner details, to get started. Additional documents may be requested if your file needs them.
Do I need good credit?
We look beyond just a credit score. Underwriting reads business performance and cash flow to understand how the business actually moves money. A prior bank decline does not determine the outcome here.
Other industries
We fund these too.
Ready to see your range?
Advances from $10,000. Answer a few simple questions to get started.