Revenue-based funding — also called a Merchant Cash Advance (MCA) — sized to your project pipeline and repaid as a small slice of daily deposits. Capital in days, not weeks, when the materials invoice can't wait for the AIA cycle.
Same-day decisions · No impact to credit · $5K – $1M+
Why MCA works here
Draw cycles, materials deposits, lumpy receivables, and seasonal starts. MCA is the bridge between the work going in and the customer's check coming out.
Project draws hit on the GC's schedule, not yours. Payroll, fuel, and materials don't pause for the AIA cycle — MCA covers the gap so the crew shows up Monday regardless.
Lumber, concrete, steel, MEP rough-in — suppliers want deposits before delivery. Capital in days lets you lock pricing and start the job without waiting for the customer's first check.
Excavator, skid steer, work truck, scissor lift — own the asset instead of renting. Pair MCA with equipment financing when speed matters but you want to keep some structure on the long-term debt.
Funding new project starts, posting bid bonds, hiring crew ahead of mobilization — fast, flexible capital that doesn't tie up the bonding line you'd rather keep open for the next job.
Qualification
Underwriting varies across our partner network, but construction deals are typically evaluated against a similar set of signals.
GC, subcontractor, or specialty trade
Active state contractor license (where required)
Monthly gross revenue of $25K+; $50K+ widens the field
At least 1 year in business — exceptions case-by-case
No bankruptcies in the past 2 years
US-registered entity with active business checking
If a deal doesn't fit one partner, we match to another. One application, many shots on goal.
Deal structure
Construction MCA deals in our network typically range from $25K to $1M, with the bulk landing between $50K and $300K. Factor rates run from roughly 1.20 to 1.49 depending on time in business, license status, and deposit pattern.
Repayment is generally over 6 to 18 months via fixed daily or weekly ACH debits, sized to deposits the business can service even during slower months. Longer-term construction files with strong financials may qualify for monthly-pay structures.
$25K – $1M
Typical funding range
6 – 18 mo
Term length
Daily ACH
Repayment style
Documents
Nothing to start a Thunder application — but once a partner is interested, expect to share the following at the underwriting stage.
Last 3 months of business bank statements
A voided business check
Driver's license or government-issued ID
Proof of business ownership (EIN letter, formation docs)
Active contractor license number (state or local)
Construction FAQ
Other industries we serve
Ready when you are
One application. Multiple lenders. No impact to your credit score.