24-Hour · 2026

24-Hour Contractor Loans

Approved and funded within a day — capital that moves as fast as the job does.

Short answer: A 24-hour contractor loan is approved and deposited within one business day. Funded Contractor Capital decisions in hours and funds within 24 hours for most approved contractors — $25,000 to $5,000,000, FICO 500+, no tax returns.

Why 24-hour is possible

What lets funding move in a day.

Factor	Funded Contractor Capital	Bank
Decision	Hours	Days–weeks
Documents	3 months bank statements	Tax returns, financials
Credit	FICO 500+	Typically 680+
Funding	Within 24 hours	Weeks after approval

Why contractors choose us

Underwritten on deposits, not the contract
FICO 500+ accepted; approval on revenue
Funds in as little as 24 hours
Repay as fixed payments or a share of deposits
No tax returns — 3 months of bank statements
One application, multiple funding options

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 fast can I get the money?

Most approved contractors fund within 24 hours; smaller amounts can be same-day.

What documents do I need?

Just 3 months of business bank statements.

How fast can I get funded?

Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.

Get funded within 24 hours

Apply in 5 minutes with a soft credit pull.

Apply Now →

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