Construction MCA Leads — Contractor & Subcontractor Funding
Construction operates on uneven cash-flow timing — material outlays land before draw payments, payroll runs weekly while general contractors release on a 30/60/90 day schedule, and bonding requirements tie up working capital. MCA fills the AR gap, bridges payroll between draws, and funds materials for projects that haven't yet released their first payment.
Construction MCA leads cover the full vertical stack: general contractors (236), heavy + civil engineering (237), and specialty trade contractors (238 — electrical, plumbing, HVAC, framing, roofing, drywall, paint, concrete, masonry). Specialty-trade subs typically convert at higher rates than general contractors because their margin compression makes capital scarcity more acute.
We surface bonding capacity, license category, and project-size band where partner data carries them — useful for funders whose underwriting box considers bonding status as a proxy for project pipeline quality.
What You Get
- Trade-Category Tagging: GC / heavy civil / electrical / plumbing / HVAC / framing / roofing / drywall / paint / concrete / masonry — segmented by NAICS 236/237/238 subcategory.
- License Status Where Available: State contractor license lookup data appended on a subset of records — useful for license-required funder underwriting.
- Bonding Capacity Flag: Where partner data carries it, surety bonding capacity bracket is surfaced — proxy for project pipeline quality.
- Owner + Mobile + Job-Site Mobility: Owner contact block — construction outbound is mobile-first because owners are on job sites, not at office desks.
- Project-Size Band: Residential / light commercial / heavy commercial / civil — different MCA position-size envelopes apply.
- Time-In-Business Filtering: Filter TIB 12m+ / 24m+ / 5yr+ — construction MCA underwriting weights TIB heavily because of project-cycle risk.
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Pricing and Availability
Compare approved pack sizes and prices or request a sample and written availability review. Custom filters and exclusivity require a quote. A request does not place an order.
Frequently Asked Questions
Why are construction MCA conversion rates lower than restaurants?
Construction capital needs are project-driven rather than recurring-revenue driven. Restaurants have daily card volume that maps to MCA holdback math; construction draws are lumpy. Construction lifts when the owner is mid-project with payroll gap, then disappears between projects.
Do you exclude unlicensed contractors?
We surface license status where partner data carries it but do not exclude unlicensed records by default. Buyer-side filtering is supported — send your license-state requirement and we'll suppress unlicensed records from your delivery.
What's the typical construction MCA size?
Specialty trade sub: $15K–$75K. General contractor (small residential): $25K–$100K. GC (light commercial): $75K–$300K. Heavy commercial GC typically accesses term loans, not MCA.
Can I filter to specific trades?
Yes — filter by NAICS 238 subcategory (electrical 238210, plumbing 238220, HVAC 238220, roofing 238160, etc.). Subscription plans include trade-specific drops at no extra cost.
How do you handle seasonality?
Northern-state construction MCA volume drops in winter months (December–February); Sunbelt-state volume stays consistent year-round. We do not seasonality-adjust pricing, but subscription buyers can request reduced winter drop volumes on Northern-only deliveries.
Government and Public Data Resources
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