MCA Relief for Construction & Contractors
The Job Pays Late. The Debits Don't.
Slow-paying general contractors, retainage, and material price spikes leave contractors short before a project even closes out. Spearpoint helps contractors settle stacked advances and keep crews on the job.
Why Contractors Get Squeezed
You buy materials and cover payroll long before the owner pays the GC and the GC pays you. Then retainage holds back a slice of every invoice until the project closes out. The work is done. The cash isn't there.
A merchant cash advance fills that gap quickly. But project revenue arrives in lumps and an advance's debits are constant, so one delayed draw can leave the account short, and the pull to take another advance to cover the first.
We map the debits against your billing cycle
Your revenue arrives in draws, not days. We look at your pay applications and bank activity alongside each agreement, so the plan matches how your money actually comes in.
Liens, bonding, and your credit lines
A UCC lien on your receivables can complicate financing and the relationships around it. We review every filing, so you know where you stand before you sit down with a surety or a lender.
Crews stay paid, jobs stay moving
Payroll is the one thing you can't miss. We build negotiations around keeping your people paid and your projects on schedule.
Questions Contractors Ask
What if a funder contacts my customers or GCs?
Tell us right away. A funder with a lien on your receivables can sometimes reach out to the people who owe you money, which puts project relationships at risk. We factor it into your plan and coordinate legal support if needed.
I signed a confession of judgment. Am I stuck?
Not necessarily. Whether a confession of judgment can be enforced depends on your state and your contract. We review it and coordinate legal support through our attorney network when needed, though we can't promise an outcome.
Will this affect my contractor's license or bonding?
That depends on your state and your surety, and we won't guess. We'll talk through any concerns in your free consultation and coordinate with legal counsel where it matters.
Can I keep bidding new work while this is going on?
That's the goal. We take over funder communication so you can keep estimating, bidding, and building, and we'll be upfront about anything that could affect a specific job.
Keep Your Crews on Site
Tell us about your advances. We respond personally within 30 minutes during business hours. Free, confidential, and no obligation.
Talk to Robert →