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Payment Structure · 2026

Daily vs Weekly MCA Payments

Daily or weekly debits change how an advance feels on your cash flow. Here's how to choose.

Short answer: Advances are repaid via daily or weekly debits. Weekly payments are easier on lumpy, project-based construction cash flow because they don't hit every single day; daily can carry slightly better pricing. Contractor Capital Advance offers both and helps you pick, FICO 500+, funded in 24 hours.

Reviewed by the Contractor Capital Advance Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

Daily vs weekly

How the two structures compare.

FeatureDailyWeekly
Hits your accountEvery business dayOnce a week
Fits lumpy cash flowHarderEasier
PricingOften slightly betterSlightly higher
Best forSteady daily depositsProject-based revenue

How we help

  • Choose the structure that fits your cash flow
  • Weekly eases lumpy, project-based revenue
  • FICO 500+ accepted; approval on revenue
  • We explain the trade-offs honestly
  • Funded in as little as 24 hours
  • Options to switch to revenue-based repayment

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Is weekly or daily better for a contractor?
Weekly usually fits project-based construction cash flow better since it doesn't hit every day, though daily can carry slightly better pricing.
How fast can I get funded?
Most contractors fund within 24 hours of approval; the application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Pick the right structure

Apply in 5 minutes with a soft credit pull.

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Figures and factor-rate examples shown are illustrative 2026 ranges and vary by underwriting; actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.