FynFund · Seasoned Merchant Funding
Working capital, equipment financing, material costs, and payroll bridges for general contractors, trades, and specialty construction companies. $10K to $2M.
Construction is a cash-out-first industry. You front materials, labor, and equipment months before the general contractor cuts the check. Retention holds 10% for another 60 days. FynFund funds established construction operators — 5+ years, clean track record — who need to bridge the gap between project spend and project payment.
Short-term MCA or LOC draws to cover labor and materials until your project pay-app hits. Typical deal: $50K-$250K, 3-9 months.
Excavators, lifts, trucks, trailers, welders — financed at 85-100% of invoice. 5+ year operators get the best terms.
Revolving line of credit you draw from as projects ramp. Only pay interest on what you use. Ideal for multi-project operators.
For contractors chasing bigger public or commercial work, we facilitate the working capital that improves your bondability.
Established firms expanding to a second yard, buying out a retiring partner, or acquiring a competitor — SBA 7(a) up to $5M.
Your advisor knows retention, pay-apps, change orders, and the 60-day AR cycle. No explaining the basics.
Tell us about current jobs, revenue, use of funds. 5 minutes online, soft credit pull only.
Your specialist routes the file to funders with active appetite for construction — not generic lenders who down-rate the industry.
Most construction deals get 3-6 offers within 24-48 hours. Same-day funding possible on MCA deals for emergency cash.
Construction financing is about timing. The work happens before the money arrives. A 60-day retention hold on a $500K pay-app means $50K you can't touch while materials, labor, and equipment leasing invoices are all due. Most traditional business loans aren't structured for this — bank term loans assume steady monthly revenue, not lumpy project-based income. The lenders we work with get it.
For established construction firms (5+ years in business, clean liens history, stable crew), the product mix looks like this: revolving line of credit as the base (draw when you need it, pay down when pay-apps hit); equipment financing for trucks and heavy machinery (85-100% LTV, 5-7 year term); targeted MCAs for payroll bridges when a project's pay-app slips; SBA 7(a) for expansion, equipment buyouts, or yard purchases. The specific mix depends on your project cadence and capital plan.
One specific construction-industry note: bond capacity is often the bottleneck for growing firms. You can only bid jobs you can bond. Working capital directly supports bondability — surety underwriters look at cash on the balance sheet as the first indicator of bonding capacity. Improving your working capital through a line of credit or term loan can unlock bigger project bids within 60-90 days.
Military veteran-owned construction companies get preferred treatment in several places: SBA Veterans Advantage (fee waiver on 7(a) loans up to $350K), dedicated veteran contracting programs, and several MCA funders in our network offer vet-owned pricing. If you served, tell us upfront. The federal government also has set-aside contracts for service-disabled veteran-owned small businesses (SDVOSB) — a different conversation, but worth knowing about.
Line of credit for working capital (most flexible). Equipment financing for trucks and heavy machinery (cheapest for equipment). MCA for fast payroll or material bridges (fast but pricey). SBA 7(a) for expansion and yard purchase (cheapest long-term money). We recommend based on your specific need.
Yes — this is one of the most common construction MCA use cases. Typical deal: $50K-$250K, 3-9 month payback, paid from daily or weekly revenue. Factor rates for 5+ year GCs run 1.18-1.32.
Yes. Excavators, lifts, wheel loaders, skid steers, service trucks, trailers — all qualify for equipment financing at 85-100% of invoice. Terms typically 5-7 years.
Lenders we work with understand project-based revenue (lumpy not smooth), retention holds, change-order delays, and the AR cycle from pay-app to deposit. They won't penalize your application for having a 45-60 day AR when the numbers justify it.
Depends on the nature. An old closed lien from a subcontractor dispute is workable. Open active liens are harder but not disqualifying — we'll tell you upfront which funders will work with your profile.
Yes. Working capital loans directly support bondability because surety underwriters look at cash on hand. A LOC or term loan improves your balance sheet and unlocks larger bonded jobs typically within 60-90 days.
Absolutely. Specialty contractors often have steadier revenue than GCs and qualify for the best rates. Plumbing, electrical, HVAC, roofing, painting, flooring — all funded routinely.
Seasonal construction is funded routinely. Lenders understand summer-heavy revenue and structure repayment accordingly. Revolving lines of credit are often the best fit — draw in the off-season, pay down during peak months.
Yes. Service trucks, dump trucks, vans, trailers — all qualify for equipment financing at competitive rates. Commercial vehicles depreciate predictably, making them easy to finance.
SBA 7(a) for working capital, expansion, or equipment up to $5M. SBA 504 for real estate (buying a yard or office). SBA Veterans Advantage waives fees on 7(a) up to $350K for veteran-owned firms. We can pre-qualify you for SBA in 48 hours.
Soft credit check. No SSN required upfront. Free to apply. Match with up to 20+ lenders in minutes.
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