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Funding · Florida · 2026

Construction funding in Florida — what to expect.

Florida construction — residential GCs, roofing contractors, hurricane-restoration crews, and commercial trades — runs on lumpy cash cycles and tight AR. Many use MCAs to bridge between project payments; many do better with invoice factoring.

Fundnode Editorial6 min read

Typical funding range

$15,000 – $400,000 — that's the band most construction in Florida fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.

What funders look for

  • Project risk is a key underwriting input — most funders flag construction as 'cautious'
  • Invoice factoring often beats MCA pricing for GCs and sub-trades
  • 12+ months operating typical floor
  • Florida hurricane season is understood by experienced funders

What to bring to the application

The faster you can ship these to a funder, the faster you close. Most underwriting decisions for construction in Florida happen in 2–4 hours once docs are complete.

  • Last 3–6 months business bank statements
  • Recent AR aging report
  • Active Florida contractor license
  • Driver's license for the majority owner

The math

A typical construction deal in Florida lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.

Frequently asked questions

Are Florida roofing contractors easier to fund?
Yes, relatively. Roofing revenue is paid faster (often at completion), deposit count is higher, and emergency-driven demand smooths revenue. Most funders are comfortable with roofing.
Should hurricane-restoration contractors use MCA or factoring?
Hurricane-restoration AR is often factor-friendly because insurance carriers and FEMA are creditworthy payers. We route restoration leads to factoring when the AR profile fits — it's usually cheaper than MCA.
What if a project goes south mid-MCA term?
Daily ACH continues regardless of project status. Reconciliation clauses (if any) only adjust based on overall revenue. Plan for worst-case revenue weeks before signing.