How fast can I get funded?

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

Do you require collateral?

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

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.

Contractor Working Capital in Charlotte, NC — $25K–$5M, Same-Day

Q: What credit score do I need?

FICO 500+ is accepted. Approval is based on your revenue and cash flow, not just credit.

Charlotte contractors mobilising on a new contract can access $25,000 to $5,000,000 in contractor working capital — approved on revenue and deposits rather than credit alone (FICO 500+), with a decision in 2 to 4 hours and same-day funding. Contractor Working Capital gives you flexible operating cash for day-to-day operations. You don't need an existing loan or advance to qualify — this is straight first-position capital for Charlotte contractors.

Get funded in Charlotte — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Charlotte contractors choose us

The contract matters more than the score. A 500+ FICO in Charlotte is fundable when the work is real and the deposits show it.
No existing facility needed. First-position funding, sized to the job in front of you.
$25K to $5M. Mobilisation on one Charlotte site, or the working capital to run several at once.
Mobilisation speed. Most Charlotte approvals come in 2 to 4 hours and fund the same day, so the crew starts on schedule.

What contractor working capital funds on a Charlotte project

Projects in Charlotte tie up cash in mobilisation, materials and retainage long before the final draw. That capital covers:

Crew payroll
Materials and supplies
Fuel and overhead
Mobilization on new jobs
Covering net-30/60/90 gaps

How it works in Charlotte

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Charlotte contractors are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Charlotte business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a Charlotte contractor with no open advances prices best.

What credit score do I need? 500+ FICO is accepted. Underwriting reads the deposits behind the contract, not the score alone.

Get contractor working capital in Charlotte today

Fast, first-position funding for Charlotte contractors — approved on revenue, funded the same day. Apply Now ⚡