Industry funding
Funding built for the construction cycle.
Between mobilization costs and milestone payments lies a cash-flow gap that can stall good projects. We fund the in-between so you can bid bigger and build faster.
The funding challenges construction firms face.
Construction runs on long timelines and lumpy payments — a structural strain that generic lenders rarely understand.
Mobilization before payment
Crews, materials, and permits are paid up front, but draws and retainage arrive weeks or months later.
Milestone-based billing
Progress payments mean revenue lands in chunks, leaving payroll and supplier bills to cover in the meantime.
Equipment-heavy bidding
Winning larger contracts often requires machinery you don't yet own — a chicken-and-egg capital problem.
Retainage held back
5–10% withheld until project close can tie up your margin across multiple jobs at once.
Funding solutions for construction firms.
We typically pair a flexible line for the cash-flow gap with asset-backed financing for the equipment that wins work.
Construction by the numbers.
Common ways construction firms put capital to work
- Covering payroll and subcontractors between progress draws
- Buying materials in bulk ahead of a price increase
- Financing heavy equipment to qualify for larger contracts
- Bridging retainage held until project completion
Testimonial
Meridian's line of credit closed the gap between when we mobilize and when the owner pays. We stopped turning down good jobs because we couldn't float the first 60 days.
Owner, Devlin Site & Concrete
Do you qualify?
Most construction firms that meet these baselines can get funded. If you're close, apply anyway — we read the whole business.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A U.S.-based business with an active business bank account
Built for construction firms
Bid bigger with capital behind you.
Apply in five minutes and get matched with an advisor who understands construction cash flow.