Funding that moves at jobsite speed.
GCs, electricians, plumbers, HVAC, roofers, remodelers, landscapers, and home-service operators. We get the cash flow gap between materials-out and progress-payment-in — and we help review funding for around it.
Quick answer
MerchantRunway helps construction & home services review working capital and short-term funding options based on revenue, timing, documents, and repayment capacity.
No obligation. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Typical funding range
Funding amounts vary by revenue, time in business, existing obligations, and provider review.
Funding timeline
Some files can move quickly after documents are complete, but approval and funding timing are not guaranteed.
Who this is for
Established businesses with active revenue, a business bank account, and a specific use of funds.
Typical funding uses
Bridge progress payments
Cover payroll and material costs while you wait 30, 60, or 90 days for invoices to clear.
Fund a big job
Take on a contract that requires materials and labor up-front before the first draw.
Equipment & vehicles
Trucks, trailers, lifts, generators, and trade-specific equipment financed in days.
Payroll & subs
Cover crew payroll and subcontractor invoices on schedule, every time.
Bonding & insurance bridges
Cover the cash needed to qualify for a larger bonded contract.
Slow season / weather bridge
Get through a slow stretch without losing your best crews.
How approval is evaluated
- Lumpy deposits and project-based revenue are normal — we underwrite to trailing averages, not single months.
- Credit profile is one input; contract timing, deposits, and existing obligations shape available options.
- We work with both 1099 and W-2 crew structures.
- Equipment financing on trucks, trailers, and trade tools — often 100% financing.
- Repayment structures (daily, weekly, or invoice-based) that match your draw schedule.
Documents usually needed
- • Business bank account
- • Recent bank statements
- • Clear use of funds
- • Owner contact information
- • Existing obligations disclosed
Check funding options for your business
Start with a short intake. We review your revenue pattern, business model, timing, and requested use of funds before discussing available capital paths.
Common questions
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Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.