Working Capital for Construction Businesses and Contractors
Managing Project Cash Flow the Smart Way
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Why Construction Companies Rely on Working Capital
Construction and contracting businesses face unique cash-flow cycles. Material costs, payroll schedules, and equipment rentals often come due long before clients pay invoices. That’s why VIP Capital Funding provides flexible working-capital programs for construction businesses — keeping projects on track and teams fully funded.
Common Challenges in the Construction Industry
- Slow-paying customers and delayed draws
- Rising supply and labor costs
- Multiple overlapping project schedules
- Limited liquidity for equipment and materials
Our construction-focused funding programs help you bridge the gap, pay crews on time, and avoid operational slowdowns.
How Working Capital for Contractors Works
- Apply in minutes with recent bank statements or job invoices.
- Get approved same day for up to $500 K in working capital.
- Receive funds in 24 hours — use them for payroll, materials, or equipment.
- Repay via flexible weekly ACH drafts tied to your business’s cash-flow rhythm.
Benefits for Construction Businesses
- Same-day approvals up to $500 K
- 10–35 % early-payoff discounts
- No hard credit pull — revenue-based underwriting
- Interest forgiveness when refinancing or renewing
- UCC removal for previously stacked advances
Construction Use Cases
- Cover payroll between project draws
- Purchase materials before deposits arrive
- Replace or repair critical equipment
- Fund multiple simultaneous job sites
Example: Daily Draft vs Weekly ACH for Contractors
| Program Type | Payment Schedule | Best For |
|---|---|---|
| Daily Draft | Mon–Fri withdrawals | High-volume, short-term projects |
| Weekly ACH | One predictable withdrawal | Contractors managing long-term cash flow |
Why Choose VIP Capital Funding
- National MCA refinance and working-capital provider
- Specialized experience in construction and contracting industries
- Dedicated account managers for ongoing projects
- Proven track record improving liquidity for builders and subcontractors
Explore Related Solutions
- View all Working Capital Options — tailor programs to your project schedule.
- Explore MCA Debt Consolidation — reduce payments and regain leverage.
- See Industries We Serve — including construction, retail, and hospitality.
Ready to Fund Your Next Project?
Apply now for fast, flexible working capital to keep your construction projects moving forward.
FAQs
Do I need collateral to qualify?
No collateral required — approvals are based on business revenue, not assets.
Can I refinance existing MCAs?
Yes — we can refinance stacked or high-cost advances into manageable weekly drafts.
How soon can I receive funding?
Most clients fund the same day once documentation is complete.
Can funds be used for equipment?
Yes — many contractors use working capital to lease or purchase heavy equipment needed for upcoming projects.
