Industries /
Construction Trades
Construction runs on cash, not draws.
The gap between when you pay the crew and when the draw arrives is a timing problem, not a business problem. We have lenders who fund into it.
You win the bid. You order materials. You pay labor, equipment, and subs. The draw lands 60 days after the work is done.
Traditional lenders look at that gap and flag it. We look at it and know exactly which lenders are built for it.
We work with residential, commercial, civil, and specialty contractors. We know your bank statements look lumpy even when your pipeline is full.
We match you to lenders who underwrite this business correctly.
The situations contractors actually call us about.
These aren't edge cases. They happen on job sites every week. Mach works with contractors who are dealing with exactly these problems right now.
You underbid the job before materials spiked.
You quoted the estimate eight months ago. Lumber, steel, and concrete are up 20–30% since then. The contract is locked. The job still has to get done. The margin you built in is gone — and you're staring at a $60K shortfall you didn't plan for.
What goes wrong without capital
Payroll is due Friday. The draw lands in 45 days.
You won the bid, mobilized the crew, and the project is on schedule. But the GC's draw schedule runs 60 days behind your actual spend. Your crew expects to be paid every two weeks — not every 60 days. This gap is predictable and it still kills cash flow.
What goes wrong without capital
The excavator went down on Monday. Rental starts today.
Heavy equipment fails at the worst possible time. Your project schedule doesn't have room for a 2-week wait. Renting replacement equipment or repairing the breakdown is $15–$40K you don't have sitting in your account right now.
What goes wrong without capital
You won the contract. You need to mobilize before you've invoiced a dollar.
A new government or commercial contract requires you to bond the project, purchase materials upfront, and pay your sub crews before the first invoice goes out. The contract is worth $800K over 18 months. The mobilization cost is $120K. Your bank says they need 2 years of tax returns and 12 months of profitability.
What goes wrong without capital
From the people we work with.
"I wasn't sure at first if this was possible or real but Noah assured me it could be done. I needed money to win a project and fast.I had to get the funds or I would lose the contract within 24 hours... Noah had me send over the documents needed to achieve the funds, Allan worked his magic, and was able to get me approved for more than what i needed! I only took what i needed now but it feels good to know that if anything changes I have access to more funds very quickly. Thank you Noah and Allan!"
"Tony Bode is excellent at his job. He is very knowledgeable and went above and beyond to offer multiple options to best fit our business needs. I would highly recommend dealing with him if business funding needs arise for your business as they did for my business. Thank you again Tony and MACH funding."
"I found out about Mach Funding about a month ago, I applied but was not approved. But the process went exactly how Kelly explained it to me. Easy process and honest people to do business with. No gimmicks a very straight forward process. Thank you to Kelly for explaining how the product works and giving me the website to apply. I will be letting my colleagues and business partners know about Mach Funding."
"I have worked with Tony from Mach. He has always gotten back to me quickly and been able to secure funds within 24 to 48 hours. I will continue to use them for my capital needs."
"I want to take the time to thanks for extraordinary customer service provided by Mac Funding team: Michael Rodriguez, Tony Bode and Azi Sharbani. Thank you for taking the time for explaining every aspect of the loan offers and obtain the best loan that fit my financial circumstance. Thank you. Thank you, and Thank you."
The questions business owners actually ask. Straight answers.
Not with the right lender. Most business owners who call us have revenue that looks inconsistent on paper — project-based, seasonal, or tied to a few large clients. That is not the same as a struggling business. The lenders in our network underwrite for your actual business model, not for a pattern that only a salaried employee would have. Your advisor looks at the full picture on the qualification call before anything goes anywhere.
Some lenders in our network will fund against a confirmed contract or purchase order — meaning the contract value is part of the underwriting, not just your historical bank deposits. Whether that applies to your situation depends on the buyer, the contract terms, and the deal size. Your advisor reviews the specifics on the qualification call and tells you which path fits.
Many clients fund in 24 to 48 hours from a completed application. The Qualify Me form takes about 5 minutes. The qualification call is 15 minutes. The application takes about 10 minutes once you have your last four months of bank statements ready. The honest timeline for your specific deal depends on the product and the lender — your advisor tells you upfront, not after you have signed anything.
Yes. A previous decline tells us the reason matters more than the outcome. Banks and traditional lenders decline profitable businesses regularly — for inconsistent deposits, for being in the wrong industry, for not fitting a model that was not designed for your business in the first place. A decline from them is not a decline from us. Your advisor looks at what happened and gives you a straight answer on whether Mach can help.
For working capital, most lenders in our network want at least three to six months of operating history and at least $10,000 per month in revenue. SBA and asset-based products have different requirements — typically two or more years in business with stronger financials. The Qualify Me form takes five minutes and your advisor tells you exactly what is available for your situation on the call.
Working capital advances create a UCC-1 filing when funded — this is standard for any commercial financing and does not directly affect your bonding capacity on its own. Whether it has any impact depends on your bonding company, your current bonding limit, and how your balance sheet looks. If bonding is a concern, raise it on the qualification call. There are structuring options that minimise the impact, and your advisor can walk you through what applies to your situation before anything is signed.
Find out what you qualify for. Five minutes.
No credit pull. No bank statements at this stage. Your advisor reviews your situation and tells you honestly whether Mach can help before you commit to anything.
