How much funding can a contractor get?

Contractors can access $25,000 to $5,000,000 depending on monthly revenue, time in business, and the funding product. Working capital typically starts at $25K; equipment financing and lines of credit can reach $5M.

How fast can a contractor get funded?

A funding decision comes as fast as 4 hours, with money wired in 24 to 48 hours after approval. Same-day funding is available for qualified applicants.

What credit score do contractors need for funding?

A personal FICO of 500+ is accepted. Revenue strength and consistent bank deposits matter more than the score itself; lower scores are reviewed case-by-case.

Can a contractor get funding with bad credit?

Yes. Contractors with a 500+ FICO and steady revenue can qualify. Approvals are based on business cash flow and deposit history, not credit score alone.

What are the requirements to qualify?

500+ FICO, 6+ months in business, $10,000+ per month in revenue, a business bank account, and an actively operating contracting business. No business plan or tax returns required for most amounts.

Do contractors need collateral or tax returns?

For working capital, no collateral is required and most amounts under $500K need only 3 months of business bank statements — no tax returns or business plan.

What can contractor funding be used for?

Payroll, materials, equipment purchases, job mobilization, bonding, subcontractor payments, retainage and net-90 receivable gaps, expansion, and covering the cash-flow gap between winning a job and getting paid.

On-Site Capital for On-Time Projects

Q: How fast can I get funded?

Most contractors receive a decision within 4 hours and funding within 24 hours of approval.

Fast, flexible funding built for how construction actually runs — $25K to $5M, approved on your revenue, funded in as little as 24 hours.

Get Funded → See Funding Options

No collateral under $500K Approved on revenue

Live funding snapshot

$5M

Max funding

4 hrs

Avg. decision

24 hrs

To funded

500+

Min FICO

Draw approved — $420,000General contractor · Funded same day

Funding Solutions

Capital for every phase of the job

Pick the product that matches your project and cash-flow cycle. Approved on revenue, not red tape.

Working Capital

Cover payroll, materials, and the gap between draws without draining reserves.

$25K – $5M

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Equipment Financing

Finance excavators, cranes, lifts, and trucks — new or used, the equipment secures itself.

$50K – $5M

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Line of Credit

Revolving capital you draw as needed — ideal for ongoing project cycles.

$25K – $500K

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Growth Funding

Scale crews, take on bigger contracts, and expand without waiting on the bank.

$25K – $5M

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How It Works

From application to funded in 24 hours

Three steps, no red tape, no waiting on a loan officer.

Apply in 5 minutes

Short online form with a soft credit pull that won't affect your score.

We review deposits

Approval is based on your bank statements and revenue — not tax returns.

Get your offer

Clear terms in about 4 hours, with every cost disclosed up front.

Get funded

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

Who We Fund

Every trade, every phase

Specialized capital across the entire construction ecosystem.

General Contractors

Subcontractors

Concrete & Masonry

Electrical & HVAC

Excavation & Grading

Civil & Infrastructure

Roofing & Exteriors

All Trades

$25K+

Minimum funding

$5M

Maximum funding

4hr

Average decision

500+

FICO accepted

Questions

Common questions from operators

How fast can I get funded?

Most contractors get a decision within 4 hours and funding within 24 hours of approval. The application takes about 5 minutes.

What credit score do I need?

FICO 500+ is accepted. Approval is based on your revenue and bank deposits, not just credit — so businesses banks reject regularly qualify.

Do you require collateral?

No collateral is required under $500K. Funding is based on your business revenue and cash flow.

What do I need to apply?

A US-based construction business, 6+ months operating, and three months of business bank statements. No lengthy paperwork.

Ready to keep your projects on schedule?

Apply in 5 minutes with a soft credit pull. Get a decision in 4 hours, funded in 24.

Get Funded →