Lenders by industry

MCA lenders for construction & contractors

Construction and contracting are commonly restricted because revenue is project-based and lumpy rather than steady daily deposits. 125 of 131 indexed lenders publish no restriction against construction.

125availableData refreshed 2026-08-19

Median minimum credit550

Median minimum revenue$30K/mo

Median time in business12 months

Known position records82 of 125

Lenders that restrict construction

Breeze Advance E Advance Idea Financial IOU Financial Reliable Capital Wide Merchant Group

Lender	Paper	Min credit	Min revenue	Max position
1DC Funding 11 sourced fields	Estimated C/D paper	—	$20K	—
1st Alliance Group✓ 13 sourced fields	C/D paper	500	$35K	Up to 6th
2M7 (Canada Only) 2 sourced fields	Estimated C/D paper	—	$15K	—
501 Advance✓ 9 sourced fields	A/B/C/D paper	550	$20K	Up to 4th
Ace Funding Source 4 sourced fields	Estimated D paper	500	$30K	Up to 4th
Alpha Equity Fund 3 sourced fields	Estimated B paper	—	$100K	Up to 2nd
Alternative Funding Group 10 sourced fields	D paper	550	$32K	—
altLINE 5 sourced fields	Estimated A/B paper	600	$10K	—
Amazon Lending 4 sourced fields	Estimated A/B paper	—	$10K	—
Amerifi Capital 7 sourced fields	C/D paper	500	$167K	—
App Funding Beta 3 sourced fields	Estimated D paper	—	$35K	Up to 6th
Backd 4 sourced fields	Estimated B paper	600	$100K	Up to 4th
Barclays Advance 2 sourced fields	Estimated B paper	—	$40K	Up to 2nd
Bitty Advance 12 sourced fields	Estimated B/C paper	450	$5K	Up to 4th
Biz2Credit 11 sourced fields	Estimated B paper	600	$40K	Up to 1st
Bizfund 4 sourced fields	Estimated C/D paper	550	$50K	Up to 5th
Bizpoint Capital 4 sourced fields	Estimated D paper	500	$20K	Up to 4th
Black Rok 3 sourced fields	Estimated B paper	—	$40K	Up to 2nd
Blade Funding 4 sourced fields	Estimated C/D paper	550	$50K	Up to 5th
BlueVine 5 sourced fields	Estimated A/B paper	600	$10K	—
Bridge Funding 3 sourced fields	D paper	—	—	—
Cambridge Advance 7 sourced fields	Estimated B/C paper	—	$75K	—
CAN Capital 5 sourced fields	Estimated B paper	550	$15K	—
CanaCap (Canada Only) 7 sourced fields	—	—	$10K	Up to 5th
Capybara USA✓ 14 sourced fields	A/B/C/D paper	525	$25K	Up to 10th
Card Payment Systems 1 sourced field	—	—	—	—
CFGMS 7 sourced fields	Estimated C/D paper	—	$33K	—
Clovex 3 sourced fields	Estimated B paper	—	$25K	Up to 2nd
Credibly 4 sourced fields	Estimated B paper	550	$20K	Up to 2nd
Cromwell Capital 7 sourced fields	Estimated C/D paper	500	$46K	—
Diesel Funding 2 sourced fields	Estimated C/D paper	—	$30K	—
Diverse Capital 4 sourced fields	Estimated B/C paper	500	$100K	Up to 2nd
eFinancialTree✓ 14 sourced fields	A/B/C paper	550	$35K	Up to 3rd
Eminent Funding 3 sourced fields	Estimated B paper	—	$50K	Up to 2nd
Epic Advance 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
Everest Business Funding 1 sourced field	Estimated D paper	—	$5K	—
Expansion Capital Group 13 sourced fields	Estimated C/D paper	500	$6K	Up to 3rd
Fintap 4 sourced fields	Estimated B paper	600	$20K	Up to 3rd
First Line Advance 3 sourced fields	Estimated B paper	—	$20K	Up to 2nd
Fora Financial 5 sourced fields	Estimated B paper	550	$15K	—
Forward Financing 9 sourced fields	Estimated B paper	500	$10K	—
Forward Financing - New Deals 7 sourced fields	Estimated D paper	—	$20K	—
Fox Business Funding✓ 11 sourced fields	Estimated D paper	500	$50K	Up to 5th
Fundamental Capital 10 sourced fields	A/B/C/D paper	500	$8K	—
Fundbox 5 sourced fields	Estimated A/B paper	600	$10K	—
FundFi Merchant Funding 9 sourced fields	Estimated C/D paper	—	$20K	Up to 5th
Funding Circle 5 sourced fields	Estimated A/B paper	620	$50K	—
Fusion Funding 9 sourced fields	A/B/C/D paper	550	—	—
G&G Funding 2 sourced fields	Estimated B paper	—	—	Up to 2nd
G6 Advance 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
GMFunding 2 sourced fields	Estimated D paper	—	$25K	Up to 5th
Greenbox Capital 4 sourced fields	Estimated A/B paper	650	$10K	Up to 2nd
High Octane 2 sourced fields	Estimated C/D paper	—	$30K	—
Highland Hill Capital LLC✓ 10 sourced fields	Estimated C/D paper	400	$30K	Up to 8th
In Advance Capital 9 sourced fields	Estimated B/C paper	550	$20K	Up to 3rd
JRG Funding 14 sourced fields	Estimated C/D paper	500	$60K	Up to 8th
Kabbage 5 sourced fields	Estimated A paper	640	$50K	—
Kalamata Capital 13 sourced fields	A/B paper	635	$25K	Up to 3rd
Kapitus 4 sourced fields	Estimated A/B paper	640	$50K	Up to 2nd
Kick Advance LLC 3 sourced fields	Estimated C/D paper	550	$30K	Up to 5th
KMT Funding 3 sourced fields	Estimated A paper	—	$15K	Up to 1st
Legend CA/TX 11 sourced fields	Estimated C/D paper	500	$20K	Up to 3rd
Legend Funding 4 sourced fields	Estimated A/B paper	600	$30K	Up to 2nd
Lendini 4 sourced fields	Estimated D paper	500	$10K	Up to 5th
Lendr✓ 14 sourced fields	A/B/C/D paper	600	$10K	Up to 2nd
LG Funding 4 sourced fields	Estimated B paper	600	$50K	Up to 4th
LIBERTY Financial Group 5 sourced fields	Estimated B/C paper	500	$10K	—
Lily Advance 3 sourced fields	Estimated B paper	—	$10K	Up to 2nd
Litefund 4 sourced fields	Estimated B paper	600	$150K	Up to 6th
Madison Advance 3 sourced fields	Estimated D paper	—	$75K	Up to 8th
Maior 2 sourced fields	Estimated B paper	—	—	—
ML Factors 4 sourced fields	Estimated B/C paper	500	$30K	Up to 2nd
MNR Capital Group 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
MNY Capital 3 sourced fields	Estimated B paper	—	$50K	Up to 2nd
Monetafi 8 sourced fields	Estimated C/D paper	575	$30K	Up to 6th
Mr. Advance 4 sourced fields	Estimated D paper	500	$50K	Up to 6th
Mulligan Funding 10 sourced fields	A paper	625	$42K	Up to 1st
National Funding 5 sourced fields	Estimated B/C paper	500	$10K	—
NewCo Capital Group 5 sourced fields	Estimated C/D paper	550	—	Up to 4th
Ocean Funding 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
OnDeck 10 sourced fields	Estimated A/B paper	625	$10K	—
OnDeck - Renewals Only 7 sourced fields	Estimated A/B paper	625	—	—
Palisades Advance 6 sourced fields	D paper	—	$45K	Up to 10th
PayPal Working Capital 4 sourced fields	Estimated A/B paper	—	$20K	—
Pearl Capital 8 sourced fields	C/D paper	—	$20K	Up to 4th
Pinnacle Business Funding 4 sourced fields	Estimated D paper	500	$30K	Up to 5th
Pirs Capital 13 sourced fields	Estimated C/D paper	500	$12K	Up to 1st
QFS Capital✓ 13 sourced fields	A/B/C/D paper	500	$30K	Up to 10th
Radiance Funding 4 sourced fields	Estimated B/C paper	550	$25K	Up to 3rd
Rapid Finance 11 sourced fields	Estimated B paper	600	$10K	Up to 3rd
Rapid Finance - Renewals 5 sourced fields	Estimated A/B paper	600	$10K	—
SG Credit Partners 2 sourced fields	—	—	—	—
Shopify Capital 3 sourced fields	Estimated A/B paper	—	—	—
Silverline Funding 11 sourced fields	Estimated C/D paper	500	$25K	Up to 6th
Slate Advance 3 sourced fields	Estimated D paper	—	$30K	Up to 5th
Smart Step Funding / Principis Capital 8 sourced fields	A/B paper	600	$21K	—
SmartBiz 5 sourced fields	Estimated A paper	650	$15K	—
SnapCap 5 sourced fields	Estimated B/C paper	500	$10K	—
Spartan Capital 12 sourced fields	—	500	$10K	Up to 4th
Specialty Capital✓ 14 sourced fields	A/B/C paper	550	$20K	Up to 5th
Speedy Funding 3 sourced fields	Estimated B paper	—	$50K	Up to 2nd
Square Capital 4 sourced fields	Estimated B paper	—	$10K	—
Stripe Capital 4 sourced fields	Estimated A/B paper	—	$50K	—
Superfast Cap 4 sourced fields	Estimated A/B paper	650	$40K	Up to 3rd
Swift Funding Source Inc✓ 12 sourced fields	B/C/D paper	500	$40K	Up to 6th
The Good Guys enterprise 3 sourced fields	Estimated B paper	600	$15K	Up to 3rd
The Merchant Marketplace 11 sourced fields	—	550	$10K	Up to 6th
The Smarter Merchant 3 sourced fields	Estimated B paper	—	$30K	Up to 2nd
Thoro 4 sourced fields	Estimated D paper	500	$100K	Up to 5th
Triton Capital 5 sourced fields	Estimated B/C paper	500	$10K	—
Trust Capital Funding✓ 14 sourced fields	B/C paper	525	$15K	Up to 4th
TurboCap 8 sourced fields	—	0	$50K	Up to 10th
TVT Capital 4 sourced fields	C/D paper	—	—	Up to 3rd
Unique Funding Solutions 11 sourced fields	Estimated B/C paper	550	$50K	—
United First✓ 14 sourced fields	B/C/D paper	500	$15K	Up to 8th
Uptown Fund 3 sourced fields	Estimated B paper	—	$40K	Up to 2nd
Velocity Capital Group 10 sourced fields	B/C paper	500	$30K	Up to 4th
Velocity CG 9 sourced fields	Estimated C/D paper	500	$30K	Up to 4th
Vox Funding 4 sourced fields	Estimated B paper	600	$15K	Up to 3rd
Westwood Funding Solutions 7 sourced fields	—	551	$40K	—
Wing Lake Capital Partners 3 sourced fields	—	—	$300K	—
Woodmere Financial 3 sourced fields	Estimated B paper	—	$15K	Up to 2nd
Wynwood Capital Group 11 sourced fields	B/C/D paper	500	$30K	Up to 9th
YES Leasing 6 sourced fields	—	0	—	—
Zlur Funding 3 sourced fields	Estimated A/B paper	—	$5K	Up to 1st

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