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Funding Amounts · 2026

How Much Can a Contractor Borrow?

Funding amounts scale with your revenue, not just your credit. Here's roughly what construction businesses qualify for at each revenue level.

Short answer: A contractor's funding amount scales with monthly revenue. As a rough guide: $30K–$100K/mo in deposits often qualifies for $50K–$250K; $100K–$300K/mo for $200K–$600K; and high-revenue contractors for up to $5,000,000. Credit matters less than revenue — FICO 500+ qualifies — and funds land in as little as 24 hours.

Funding amounts by monthly revenue

Approximate 2026 ranges through Siteline Capital. Actual amount depends on deposits, time in business, and existing debt.

Monthly revenueTypical funding rangeNotes
$15K – $30K$10K – $75KNewer or smaller contractors
$30K – $100K$50K – $250KMost established trades
$100K – $300K$200K – $600KGrowing construction firms
$300K – $1M$500K – $2MLarger GCs and specialty firms
$1M+Up to $5MHigh-volume contractors

What raises your funding amount

  • Higher, more consistent monthly deposits
  • Longer time in business
  • Fewer existing advances or obligations
  • Healthy bank balances (few negative days)
  • Multiple products stacked (LOC + equipment)
  • Strong repeat revenue from solid customers

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

How much can a contractor get funded for?
Amounts scale with revenue — from around $50,000 for smaller firms up to $5,000,000 for high-revenue contractors. Deposits and time in business drive the number more than credit score.
Does my credit score cap how much I can borrow?
Less than you'd think. Revenue and deposit consistency drive the amount; FICO 500+ can still qualify for substantial funding.
What if I have an existing advance?
Existing debt reduces available room, but you may still qualify for additional funding or a consolidation that improves your position.
Can I combine products for a bigger total?
Yes. Stacking a line of credit with equipment financing, for example, can raise your total available capital.
How fast can I find out what I qualify for?
The 5-minute application uses a soft credit pull and typically returns an offer the same day.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual amounts are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.