Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!
By Lending Valley | Updated for 2025
It’s Friday morning. You have a crew of five guys waiting for their paychecks, a supplier who won’t drop off the lumber until the invoice clears, and a General Contractor (GC) who promised payment “next week” … for the third week in a row.
If you work in construction, this isn’t a crisis; it’s just Tuesday.
In 2025, the gap between doing the work and getting paid for it has never been wider. While the construction industry is booming—especially in states like Texas and Florida—cash flow remains the number one killer of small contracting businesses. You don’t need a “6-week approval process” from a traditional bank. You need cash today.
This is your no-nonsense guide to same day funding for contractors. We aren’t going to bore you with banking jargon. Instead, we’ll break down how to bridge the gap, avoid predatory fees, and keep your crews moving.
Let’s look at the numbers. As of late 2025, the average payment cycle for subcontractors in the US has stretched to 54 days. Meanwhile, material costs for copper and specialized finishes have risen by over 40% in some regions.
You are effectively financing your client’s project with your own money.
When a sudden opportunity drops—like a storm repair job or a last-minute commercial bid—you can’t wait for Net-60 terms. This urgency has fueled the rise of alternative lending, where speed is the primary commodity.
In the world of Business funding in Newyork or Business funding in Texas, “same day” usually refers to three specific products:
Expert Insight:
“In 2025, speed costs money. A bank loan at 8% might take a month. Same-day funding might cost you 20-30 cents on the dollar, but if that cash lets you land a $50,000 job you would have otherwise lost, the math works. It’s about ROI, not APR.” — Senior Underwriter, Commercial Lending Sector.
Let’s look at how real contractors across the US are using these tools right now.
Location: Business Loan in Brooklyn, New York
The Scenario: A commercial HVAC contractor landed a massive retrofit job for an old office building.
The Problem: The chiller unit cost $45,000, and the supplier demanded a certified check on delivery. The contractor’s bank account was low because two other clients were late on payments.
The Solution: He couldn’t wait for a traditional Business funding in Newyork bank loan. He applied for an MCA in Newyork.
The Outcome: He was funded $50,000 within 6 hours. He paid the supplier, installed the unit over the weekend, and billed the client $85,000 on Monday.
The Cost: Yes, the fees were higher than a bank loan, but without the speed, he would have lost the entire contract.
Location: Business loan in Florida & Business funding in Texas
The Scenario: A specialized roofing company in Florida was overwhelmed with work following the active 2025 hurricane season.
The Problem: They needed to hire 10 new guys and buy $30,000 in shingles immediately. Their capital was tied up in a previous job in Houston.
The Solution: They utilized a Merchant Cash Advance near me search to find a local broker who understood disaster-response logistics.
The Outcome: They secured a short-term bridge loan. The fast capital allowed them to mobilize two crews in 24 hours, securing $200,000 in insurance-backed repair contracts.
Location: Small Business funding in Ohio
The Scenario: A manufacturing subcontractor in Cleveland needed raw steel to fulfill a rushed order for an automotive client.
The Problem: Steel prices were fluctuating, and the supplier locked in a low price only if paid by 5:00 PM that day.
The Solution: The owner used a revolving line of credit.
The Outcome: He drew the funds instantly, locked in the lower material price, and saved 15% on his Cost of Goods Sold (COGS), which effectively paid for the interest on the loan.
Before you sign, weigh the options.
| Feature | Traditional Bank Loan | Same Day Contractor Funding |
| Speed | 2-8 Weeks | 4 – 24 Hours |
| Paperwork | Massive (Tax returns, P&L, Collateral) | Minimal (3 months bank statements) |
| Approval Rate | Low (<20% for small biz) | High (70-90%) |
| Cost | Low Interest (8-12% APR) | Higher (Factor Rates 1.10 – 1.40) |
| Credit Score | 700+ Required | 500+ Accepted |
| Best For | Buying Real Estate, Large Equipment | Payroll, Materials, Emergency Repairs |
Myth: “Same day funding for contractors is only for failing businesses.”
Fact: False. High-growth companies use same day funding to take advantage of opportunities (like bulk material discounts) that expire quickly. It is a growth tool, not just a life raft.
Myth: “I can’t get funded because I have bad credit.”
Fact: Alternative lenders care more about your cash flow than your credit score. If you have consistent deposits in your business bank account, you can likely get approved for a Business Loan in Brooklyn or Small Business funding in Ohio, regardless of a 550 FICO score.
Myth: “An MCA is a loan.”
Fact: An MCA (Merchant Cash Advance) is technically a purchase of your future receivables. This legal distinction is why they can fund so fast—they aren’t subject to the same underwriting regulations as traditional loans.
You are searching for Business funding in Texas or an MCA in New York, and Google gives you 10 million results. It’s overwhelming. You don’t have time to interview fifty different banks while your crew is waiting for materials.
Lending Valley is not just another lender. We are a curated marketplace. Instead of locking you into a single bank’s rigid criteria, we force a network of lenders to compete for your business. Here is how our process works in 2025:
We do the legwork so you can get back to the job site.
Need to speak to a human?
Call a Lending Valley Advisor – We speak construction
| Feature | Bluevine / OnDeck (Fintech) | Wells Fargo / Chase (Big Banks) | Lending Valley (Marketplace) |
| Speed | Fast (24 Hours) | Slow (Weeks) | Fastest (Same Day Options) |
| Product | Limited to their own products | Strict Loans Only | Variety (MCA, Term, Line of Credit) |
| Service | Automated / Bot | In-Person Branch | Dedicated Advisor |
| Credit | 625+ Min Score | 700+ Min Score | Flexible (500+ Accepted) |
A: Yes. Lenders for Business loan in Florida and other states look at your monthly revenue. If you generate at least $15,000/month in sales, you have high approval odds even with bad credit.
A: Usually, you only need:
-Driver’s License
-Voided Business Check
-Last 3 months of Business Bank Statements.
A: No. It is a commercial transaction based on business revenue. However, like payday loans, they carry higher costs and shorter terms, so they should be used strategically for high-ROI projects.
A: Absolutely. Cash is fungible. Once funded, you can use it for Small Business funding in Ohio payroll needs, materials, fuel, or equipment repairs.
A: Mostly no. Modern lending is digital. However, some states like New York have specific disclosure laws that protect borrowers, so working with a reputable national broker like Lending Valley ensures you get a compliant deal.
A: Lending Valley and most modern fintechs perform a soft pull to check eligibility, which does not impact your credit score. A hard pull only happens when you accept an offer.
In 2025, the contractor with the cash is the contractor who wins the bid. Speed is no longer a luxury; it is a necessity.
Whether you are looking for Business funding in Newyork to handle a skyscraper retrofit or Business funding in Texas for a residential development, you have options. Don’t let the banks tell you “no” or “wait.”
Take control of your cash flow today.
Ready to get funded?
Check Your Eligibility in 2 Minutes – No impact to your credit score.
