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.

Secured-Contract & Net-90 Financing

You Won the Job.
Don't Wait 90 Days
to Get Paid.

Built Tough. Funded Fast.

You signed the contract — but the money is 30, 60, 90 days out, and payroll, materials, and mobilization are due now. Funded Contractor Capital advances $25K–$5M against your secured contracts and receivables so you can start the work the day you win it. Decisions in 4 hours. Funding in as little as 24.

Apply Now SEE RATES & PRODUCTS

The Net-90 Gap — Solved

DAY 0

Contract signed

FCC funds you → Day 1

DAY 90

Client pays

$5M

Maximum Funding

4 HRS

To a Funding Decision

Net-30/60/90

Terms We Bridge

ROOFING CO. — HOUSTON, TX — $280,000 FUNDED | HVAC CONTRACTOR — PHOENIX, AZ — $150,000 FUNDED | ELECTRICAL CONTRACTOR — CHICAGO, IL — $500,000 FUNDED | GENERAL CONTRACTOR — DALLAS, TX — $1,200,000 FUNDED | PLUMBING CO. — MIAMI, FL — $75,000 FUNDED | CONCRETE CONTRACTOR — LAS VEGAS, NV — $340,000 FUNDED | STEEL FABRICATOR — PITTSBURGH, PA — $2,000,000 FUNDED | CARPENTRY CONTRACTOR — DENVER, CO — $95,000 FUNDED | SPECIALTY TRADE — ATLANTA, GA — $420,000 FUNDED | ROOFING CO. — HOUSTON, TX — $280,000 FUNDED | HVAC CONTRACTOR — PHOENIX, AZ — $150,000 FUNDED | ELECTRICAL CONTRACTOR — CHICAGO, IL — $500,000 FUNDED | GENERAL CONTRACTOR — DALLAS, TX — $1,200,000 FUNDED | PLUMBING CO. — MIAMI, FL — $75,000 FUNDED | CONCRETE CONTRACTOR — LAS VEGAS, NV — $340,000 FUNDED | STEEL FABRICATOR — PITTSBURGH, PA — $2,000,000 FUNDED |

Industries We Fund

Your Trade.
Your Capital.

We specialize exclusively in the trades. Every funding product is engineered for the realities of construction cash flow — retainage delays, material lead times, payroll gaps, and bid-to-close cycles.

Electrical Contractors

Cover material costs, crew scaling, and permit timelines before receivables arrive.

$25K – $2M Available

Plumbing Contractors

Fund pipe, fixtures, and field crews without waiting on slow-pay GCs.

$25K – $1.5M Available

HVAC Contractors

Finance equipment purchases, seasonal surges, and commercial project startup costs.

$25K – $2M Available

Roofing Contractors

Accelerate storm restoration jobs, material procurement, and crew deployment.

$25K – $1M Available

General Contractors

Bridge retainage, fund subcontractor payments, and mobilize on large projects.

$100K – $5M Available

Concrete Contractors

Capital for pours, pumping equipment, admixtures, and rapid job mobilization.

$25K – $1.5M Available

Steel Fabrication

Fund raw material procurement and shop capacity for large structural contracts.

$200K – $5M Available

Specialty Trades

Flooring, tile, painting, drywall, framing — all specialty contractors welcome.

$25K – $1M Available

Capital Products

The Right Tool
For Every Job

Four precision-engineered funding products built for how contractors actually operate. No one-size-fits-all. Choose the capital structure that fits your project cycle.

Three Steps.
One Day.

We've stripped out every unnecessary step. Contractors don't have time for month-long bank reviews. Our process is fast, transparent, and built around your schedule.

Apply in Minutes

Complete our secure online application in under 10 minutes. Tell us your trade, how much you need, and upload your last 3 months of bank statements. No business plan. No tax returns for amounts under $500K.

4-Hour Decision

Our contractor-specialized underwriting team reviews your application and delivers a decision within 4 business hours. You'll receive a clear offer with exact terms — no bait-and-switch, no surprise fees.

Funded & Ready

Sign your agreement and funds are wired directly to your business account — often the same day. Most clients are funded within 24 hours of approval. Then get back to what you do best: building.

Qualification Requirements

Do You Qualify?

We've designed our requirements around the real-world profile of a working contractor — not a Silicon Valley startup or a Fortune 500 company.

500+ Personal FICO Score We work with contractors who've had credit challenges. Lower scores reviewed case by case.
6+ Months in Business Newer contractors with strong revenue may qualify. Newer businesses reviewed on a case-by-case basis.
$10,000+ Monthly Revenue Minimum $10K/month in business revenue. Higher amounts unlock larger funding and better terms.
Active Contractor Business Must be actively operating as a contractor, trade business, or specialty construction company.
Business Bank Account Separate business checking account in the company's name required for all funding.
No Open Bankruptcies Discharged bankruptcies are considered. No active or pending bankruptcies at time of application.

Not Sure If You Qualify?

Talk to a funding specialist in the next 60 seconds. We'll review your situation and give you a straight answer — no pressure, no obligation. Contractors call us because we give them honest answers, not runaround.

Or apply online — free pre-qualification in minutes.

APPLY ONLINE

Client Testimonials

Contractors
Trust Us

We've funded hundreds of contractors across the country. Here's what they have to say about working with Funded Contractor Capital.

"I needed $300K to mobilize on a commercial roofing job before my first draw came in. FCC had the money in my account in 36 hours. That's the kind of speed that wins contracts."

Marcus R.

Roofing Contractor · Houston, TX

$300,000 Funded

"My bank said no because we'd only been in business 18 months. FCC looked at our revenue and said yes. We got $150K to buy a second service van and hire two more techs. Changed everything."

Darnell K.

HVAC Contractor · Atlanta, GA

$150,000 Funded

"We had a $2.1M general contracting job fall in our lap and needed to cover subs upfront. FCC understood exactly what retainage financing meant. No explaining. They just got it."

Sandra P.

General Contractor · Dallas, TX

$750,000 Funded

"Equipment financing through FCC was half the hassle of our last lender and twice as fast. Our excavator was approved in 4 hours. These guys understand the construction business."

Tony L.

Concrete Contractor · Phoenix, AZ

$220,000 Funded

"I had a 520 FICO from a rough 2021 and two banks turned me away flat. FCC funded $75K for material on a plumbing job within a day. Paid it back in 4 months. Now I run a $400K/year operation."

Jose M.

Plumbing Contractor · San Antonio, TX

$75,000 Funded

"The line of credit has been a game-changer. I draw when I need materials, pay it back when the check clears. Running three jobs at once has never been smoother. FCC is a core part of how we operate now."

Kevin W.

Electrical Contractor · Chicago, IL

$500,000 Line of Credit

Frequently Asked Questions

Straight Answers.
No Runaround.

Most applicants receive a credit decision within 4 business hours of submitting a complete application. Once approved and documents are signed, funds are typically wired within 24–48 hours. Same-day funding is available for qualified applicants.

We accept applicants with a personal FICO score of 500 or higher. We understand contractors often face credit challenges due to the cyclical nature of construction. Scores below 500 are reviewed case-by-case depending on revenue strength and business history.

Funded Contractor Capital provides $25,000 to $5,000,000 depending on your product selection, monthly revenue, time in business, and credit profile. Working capital starts at $25K, while equipment financing and lines of credit can reach $5M for qualified contractors.

For amounts under $500K, we typically only require your last 3 months of business bank statements and a completed application. For larger amounts ($500K+), we may also request business tax returns, a P&L statement, or accounts receivable aging report. No business plan required.

Our initial pre-qualification uses a soft credit pull that does not affect your credit score. A hard inquiry only occurs at final underwriting, and only with your explicit consent. We'll always tell you before we pull your credit.

Discharged bankruptcies are considered on a case-by-case basis. We look at your current revenue trend, time since discharge, and business stability. Active or pending bankruptcies cannot be funded at this time.

Working capital and revenue-based financing can be used for virtually any business purpose — materials, payroll, equipment, insurance, bonding, overhead, or growth. Equipment financing is specific to equipment acquisition. Lines of credit are flexible for ongoing operational needs.

Yes. Funded Contractor Capital provides funding to trade and specialty contractors across all 50 U.S. states. We do not currently fund businesses outside the United States.

You Won the Job.Don't Wait 90 Daysto Get Paid.

Your Trade.Your Capital.

The Right ToolFor Every Job

Three Steps.One Day.