Typical funding range
$15,000 – $350,000 — that's the band most construction in Georgia 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
- Most MCA funders treat construction as 'cautious' due to project risk
- Invoice factoring is often a better fit for GCs with steady AR
- 12+ months operating typical floor
- Atlanta-metro contractors often have higher revenue averages, unlocking better terms
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 Georgia happen in 2–4 hours once docs are complete.
- Last 3–6 months business bank statements
- Recent AR aging report
- Active Georgia contractor license
- Driver's license for the majority owner
The math
A typical construction deal in Georgia 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
- How does construction industry classification affect approval?
- Funders classify construction sub-trades differently. Roofing, HVAC, and plumbing are typically MCA-friendly because revenue is more frequent and paid faster. GCs with single-project concentration are harder to fund.
- Can I use an MCA to buy equipment?
- Technically yes, but equipment financing or a CDL truck loan is almost always cheaper. Use MCA for working capital and labor — not for hard-asset purchases.
- What's a typical factor rate for Georgia construction?
- 1.32–1.45 for most sub-trades. GCs with single-customer concentration sit at the high end. Multi-customer trades with regular monthly billing sit at the low end.
Related guides
- Restaurant MCA in Georgia — state hub
- Retail funding in Georgia — $10,000 – $250,000
- Restaurants funding in Georgia — $10,000 – $250,000
- Trucking funding in Georgia — $20,000 – $400,000
- Professional Services funding in Georgia — $10,000 – $300,000
- E-commerce funding in Georgia — $10,000 – $500,000
- Healthcare funding in Georgia — $25,000 – $500,000
- Construction funding in Texas — $15,000 – $400,000
- Construction funding in Florida — $15,000 – $400,000
- Construction funding in New York — $15,000 – $400,000