Net-30 turns into net-60 while a daily MCA debit keeps pulling. We buy out your construction advance and refinance it into terms that survive the lag between invoice and payment.
Get Your Free MCA Payoff Quote → Call (305) 384-8391In construction, you front the labor and materials and then wait — sometimes 30, 60, even 90 days — for the general contractor or owner to release payment. A merchant cash advance with a daily ACH debit does not wait. It pulls every business day regardless of whether your receivables have landed, turning a normal payment lag into a cash-flow emergency. Merchant Fund Express buys out high-factor-rate construction advances and refinances them into a structure that respects how construction actually gets paid.
The core conflict for contractors is timing. Your costs are immediate but your revenue is delayed behind progress billing, retainage, and slow-paying general contractors. An MCA collects on a flat factor rate via daily or weekly ACH debits that ignore that timing entirely. Consider a $75,000 advance at a 1.42 factor: you repay $106,500 total ($75,000 × 1.42), and if that is collected over roughly five months of daily debits the funder pulls well over $1,000 every business day. (Illustrative factor-rate example, not a quoted offer.) When a draw gets held up, that daily debit keeps hitting an account that has not been refilled yet — and that is how contractors end up stacking a second advance just to cover the first.
Because project cash flow is lumpy, contractors are heavily targeted for stacked advances. Each new MCA promises to bridge the gap, but together the daily debits compound until they exceed your operating margin. A buyout breaks that loop: we pay off the stacked positions and consolidate them into one payment so a single funder, not three or four, is drawing from your account each day.
Send your current MCA contract and three months of business bank statements. We calculate your true effective rate and the real daily drain, then structure a buyout or consolidation that lowers your burden and pays your existing funders in full. Once approved, we fund — often the same day. As a direct funder, our decisions come in 2-4 hours with no broker chain adding fees.
General contractors, subcontractors, electricians, plumbers, HVAC, concrete, framing, roofing, excavation, and specialty trades all use our buyout. We accept 500+ FICO and weigh your business deposits and contract pipeline more than your personal score, which matters when a single late draw temporarily dings your credit.
Many "refinance" pitches to contractors are just another high-factor-rate advance stacked on top. As an honest, trusted, direct funder, we will tell you the truth about whether a buyout lowers your real cost. If it does, we move fast and align repayment with your billing cycle. If it does not, we say so plainly.
| Factor | Staying in Your Construction MCA | Buyout / Refinance With MFE |
|---|---|---|
| Payment timing | Daily debit ignores slow GC payments | Restructured to survive the invoice-to-pay lag |
| Stacked advances | Multiple funders debit while you wait on draws | Consolidated into one manageable payment |
| True cost | Fixed factor-rate payback, no benefit to paying fast | We calculate and aim to lower your effective rate |
| Speed | Renewal pressure on funder's timeline | 2-4 hour decisions, same-day funding possible |
| Credit | Often opaque | 500+ FICO accepted, cash-flow focused |
Yes. We pay off your existing high-rate advance in full and refinance it into better terms, structured around the lag between your invoices and getting paid.
Yes. We restructure that rigid daily debit into a single more manageable payment so a delayed draw does not trigger a cash crisis.
We consolidate stacked construction advances into one payment — one of the most common situations we solve for contractors.
500+ FICO. We focus on your business deposits and pipeline more than your personal score.
Decisions in 2-4 hours with your contract and three months of statements. Same-day funding is possible.
For most requests under $250,000, no. Your MCA contract and recent bank statements are typically enough.
Honest buyout & refinance from a direct funder. 2-4 hour decisions. 500+ FICO welcome.
Get Your Free MCA Payoff Quote →Or call (305) 384-8391