Direct Fast Funding is an honest, trusted, and very professional direct lender that buys out merchant cash advances for construction contractors, GCs, subs, HVAC, plumbing, and roofing operators. We pay off your current funder directly and replace daily MCA remittances with terms aligned to your progress billing, retainage, and mobilization timing.
Why Construction Contractors Refinance Their MCA
A daily MCA payment is brutal on a construction P&L. Your revenue comes in lumpy progress draws, retainage releases that hit weeks late, and mobilization gaps where you front material before any invoice clears. Meanwhile the MCA is debiting your bank every weekday, regardless of whether work was billed, signed, or paid. That mismatch is what eats contractors alive.
How Our Buyout Process Works
We review your existing MCA balance, current daily payment, and your last 3-4 months of bank statements. Our team requests a payoff letter directly from your existing funder, structures a new advance that covers the payoff and gives you cash on top, and replaces daily debits with terms that match construction cash cycles. Same-day buyout is possible.
Who We Help
General contractors, sub-contractors, HVAC and plumbing companies, roofers, concrete and excavation firms, electrical contractors, and specialty trades doing $25K/month or more.
Real Recent MCA Buyouts
- $87,000 MCA buyout completed in 4 hours — customer saved 31% on effective rate.
- $145,000 stacked-advance consolidation — paid off two MCAs and stabilized cash flow.
- $210,000 refinance from a daily MCA holdback into a flexible repayment structure.
Refinance vs Staying With Your Current MCA
Staying put: same daily debit, same factor rate, same cash-flow squeeze, no extra capital. Refinancing with Direct Fast Funding: one new advance, often lower effective rate, terms built around your actual revenue, and cash on top to operate.
Qualification
- Operating US business — 6 months minimum
- Monthly revenue $25,000+
- Credit score 500+ accepted
- Active business bank account
- Existing MCA(s) — current or behind, both reviewed