Fast working capital for contractors, builders, and specialty tradespeople. Get $15,000 to $150,000 based on your revenue, not your credit score.
$15K to $150K Funding
Same-Day Approval
No Collateral Required
Funds in 24 Hours
Apply NowNo hard credit pull. Takes less than 5 minutes.
Working Capital Built for the Construction Business
Construction is one of the most cash-intensive businesses there is. You pay for materials, labor, and equipment upfront, then wait weeks or months for client payments to come in. A delayed invoice, a slow project, or an unexpected equipment repair can put serious pressure on your cash flow before you even see a dime from the job.
Traditional banks are slow, require extensive documentation, and often don't understand how project-based businesses work. Trulo Capital's merchant cash advance fills that gap. We evaluate your business based on your revenue history, not just your credit score. You can access $15,000 to $150,000 with same-day approval and funding deposited in as little as 24 hours. Keep your crew on schedule and your projects moving without waiting on banks.
How Construction Businesses Use MCA Funding
There are no restrictions on how you use your funds from Trulo Capital. Construction business owners typically use working capital for:
Purchasing materials and supplies before a project starts
Covering payroll while waiting on client payments
Repairing or replacing heavy equipment and tools
Bidding on and starting multiple projects simultaneously
Hiring subcontractors and expanding your crew
Bridging cash flow gaps between project milestones
Covering insurance, licensing, and permit costs
Upgrading vehicles, trailers, and fleet equipment
How It Works
From application to funding in as little as 24 hours. No branch visits, no loan committees.
Step 1
📋
Apply
Fill out a one-page application in minutes. Have 3 months of business bank statements ready.
Step 2
📞
Get an Offer
A funding advisor reaches out within a few hours to walk you through your options.
Step 3
💸
Get Funded
Once you approve an offer, funds are deposited into your account. Often within 24 hours.
Step 4
📈
Repay as You Earn
A fixed percentage of your daily card sales is applied toward your balance. Less on slow days, more on busy ones.
Approval is not based solely on your credit score. We look at the overall health of your construction business.
600+ Credit Score
FICO score of 600 or above to qualify
12+ Months in Business
At least one year of construction operation
$20K+ Monthly Revenue
Average monthly revenue of $20,000
Healthy Cash Flow
Verified with your last 3 months of business bank statements
Even if you don't meet every requirement, it's worth applying. We review each application individually.
Types of Construction Businesses We Fund
Trulo Capital works with construction businesses of all sizes and specialties. If your business processes card payments or has consistent monthly revenue, you are likely a good fit.
🏠 General Contractors
Residential and commercial GCs managing multiple subcontractors, materials, and project timelines that require upfront capital.
⚡ Electricians
Electrical contractors handling new construction, renovations, and emergency repairs who need capital to take on larger jobs.
🔩 Plumbers
Plumbing businesses covering materials, labor, and equipment for residential and commercial projects while waiting on invoice payments.
🎨 Painters and Finishing
Interior and exterior painters, drywall contractors, and finishing specialists with project-based cash flow cycles.
🏗️ Specialty Tradespeople
HVAC, roofing, flooring, and other specialty contractors who need fast capital to purchase materials and keep crews on schedule.
🚜 Landscaping and Excavation
Landscaping companies and excavation contractors with seasonal demand peaks and large upfront equipment and material costs.
Construction MCA vs. Bank Loan
Traditional bank loans are not built for the construction business. Here is how a Trulo Capital merchant cash advance compares.
Trulo Capital MCA
Bank Loan
Approval time
✓ Same day
– 2 to 8 weeks
Funding speed
✓ As fast as 24 hours
– Weeks after approval
Credit score required
✓ 600+ accepted
– Usually 680 or higher
Collateral
✓ Not required
– Often required
Repayment
✓ % of sales
– Fixed monthly payment
Application
✓ One page, online
– Extensive paperwork
Revenue-based approval
✓ Yes
– No
Approval time
Trulo MCA
Same day
Bank Loan
2 to 8 weeks
Funding speed
Trulo MCA
As fast as 24 hours
Bank Loan
Weeks after approval
Credit score required
Trulo MCA
600+ accepted
Bank Loan
Usually 680 or higher
Collateral
Trulo MCA
Not required
Bank Loan
Often required
Repayment
Trulo MCA
% of sales
Bank Loan
Fixed monthly payment
Application
Trulo MCA
One page, online
Bank Loan
Extensive paperwork
Revenue-based approval
Trulo MCA
Yes
Bank Loan
No
Construction Funding Questions and Answers
Can I get a merchant cash advance for my construction business if I have bad credit?
Yes. Trulo Capital approves construction business funding based primarily on your revenue history and bank statement health, not just your FICO score. Many contractors with credit scores in the 600s qualify for funding. If your business has been operating for at least 12 months with consistent revenue, you have a strong chance of approval.
How much can my construction business borrow?
Trulo Capital funds construction businesses from $15,000 to $150,000. The exact amount depends on your average monthly revenue and bank statement history. A funding advisor will walk you through how much you are eligible for and what repayment would look like for your specific business.
Can I use the funds to purchase materials before a project starts?
Absolutely. Purchasing materials upfront is one of the most common uses for construction MCA funding. There are no restrictions on how you use your Trulo Capital funds. Whether you need lumber, concrete, wiring, or equipment, you can use the capital to keep your project moving without waiting on client payments.
How does repayment work for a construction cash advance?
Repayment is collected as a fixed percentage of your daily or weekly card sales and deposits. During slower periods between projects, you pay less. When business is strong and jobs are coming in, you pay more. There is no fixed monthly payment that ignores your actual cash flow cycle.
How fast will I receive the funds?
Most construction business owners receive their funds within 24 to 48 hours of approval. In some cases, same-day funding is possible. There are no loan officers, branch visits, or committee reviews slowing things down.
Can subcontractors and specialty tradespeople qualify?
Yes. Electricians, plumbers, HVAC contractors, roofers, painters, and other specialty tradespeople are all eligible to apply. The key factor is your monthly revenue and business bank statement history. Apply and a funding advisor will review your specific situation.
What documents do I need to apply?
The application is simple. You will need your last 3 months of business bank statements and basic information about your construction business. For faster processing, you can also securely connect your bank account directly. A funding advisor will reach out within a few hours to complete your application.
What Our Clients Are Saying
Discover how real business owners are growing with fast, clear, and reliable funding experiences.
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
The process was fast and easy to understand. I run a retail clothing store, and the funding helped me prepare for a seasonal rush without stressing over cash flow. Everything was clear from the start.
Rachel M.
Retail Store Owner
I’ve worked with other financing companies before, but this experience stood out. As a small restaurant owner, I needed quick help during a slow month. The communication was strong and the approval came faster than I expected.
Marcus J.
Restaurant Owner
Running a hair salon means staying stocked and ready for clients. I applied in the morning and received funding the same day. The team made it feel simple and reliable from start to finish.
Elena S.
Salon Owner
As someone who owns a small auto repair shop, I don’t have time for complicated applications. This was refreshingly easy. I was able to fix equipment and manage payroll without delay.
Jared T.
Auto Repair Business Owner
I needed to restock supplies and launch a small marketing campaign for my mobile cleaning service. The support I received was direct, honest, and truly helpful. This made a real impact on how I operate.
Danielle R.
Cleaning Service Owner
Ready to fund your construction business?
Apply in minutes. Talk to a funding advisor today. Funds deposited as fast as 24 hours.
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