How much funding can a construction business qualify for?

Amounts typically scale with monthly revenue. Businesses doing $30,000 to $100,000 per month often qualify for $50,000 to $250,000; those doing $100,000 to $300,000 per month for $200,000 to $600,000; and high-revenue contractors for up to $5,000,000.

Contractor Funding Guide · 2026

Best Funding Options for Contractors & Construction Businesses

Q: What is the best funding option for a contractor?

It depends on the need. For buying trucks, excavators, or tools, equipment financing is usually best because the equipment is the collateral. For covering payroll and materials while waiting on invoices, working capital or a line of credit works better. For contractors with uneven, seasonal, or draw-based revenue, revenue-based funding flexes with cash flow. Funded Contractor Capital offers all of these from $25,000 to $5,000,000, approved on revenue rather than credit score alone, with funding in as little as 24 hours.

Q: Can contractors get funding with bad credit?

Yes. Contractors with FICO scores as low as 500 can qualify. Approval is weighted toward monthly revenue and bank-deposit consistency rather than personal credit, so contractors turned down by banks are frequently approved based on their deposit history.

Q: How do contractors get funding to mobilize on a new contract?

Contractors who just won a bid but need cash to buy materials, rent equipment, and cover crew payroll before the first draw can use working capital or a line of credit for mobilization. Funding is based on your business bank statements, not the awarded contract, so you can access capital within 24 hours of approval.

Equipment financing, working capital, lines of credit, and revenue-based funding — compared by amount, speed, and credit requirements, so you can pick the right capital for your next job.

Contractor funding options compared

Every option below is available through Funded Contractor Capital. Typical figures are industry ranges for 2026 and vary by lender and underwriting.

Funding type	Typical amount	Speed	Credit	Best for
Equipment Financing	$10K – $2M	1–3 days	500+	Trucks, excavators, tools, machinery
Working Capital	$25K – $5M	24 hours	500+	Payroll, materials, mobilization
Business Line of Credit	$10K – $500K	1–2 days	580+	Ongoing draws between jobs
Revenue-Based Funding	$25K – $5M	24 hours	500+	Seasonal / uneven cash flow
SBA Loan	$50K – $5M	3–8 weeks	650+	Lowest rates, if you can wait
Bank Term Loan	$50K – $1M	2–6 weeks	680+	Established firms with strong credit

How contractors qualify

Why contractors choose us

Approved on revenue and bank deposits, not just credit score
FICO 500+ accepted — bank turndowns welcome
Funded in as little as 24 hours; smaller amounts same-day
Fund on your terms — fixed payments or revenue-share
Use it for equipment, payroll, materials, or mobilization
No tax returns or business plan — just 3 months of bank statements

What you need to apply

US-based contracting or construction business
6+ months in business
~$30,000+ in monthly revenue
Last 3 months of business bank statements
A valid EIN and business bank account

The application takes about 5 minutes and uses a soft credit pull that does not affect your score.

Frequently asked questions

What is the best funding option for a contractor?

It depends on the need. For trucks, excavators, or tools, equipment financing is usually best because the equipment secures the loan. For payroll and materials while waiting on invoices or draws, working capital or a line of credit works better. For seasonal or draw-based revenue, revenue-based funding flexes with your cash flow. Funded Contractor Capital offers all of these from $25,000 to $5,000,000.

Can contractors get funding with bad credit?

Yes — FICO 500+ can qualify. Approval is weighted toward monthly revenue and bank-deposit consistency rather than personal credit, so contractors turned down by banks are frequently approved on their deposit history.

How do contractors get funding to mobilize on a new contract?

Just won a bid but need cash to buy materials, rent equipment, and cover crew payroll before the first draw? Working capital or a line of credit covers mobilization. Funding is based on your bank statements, not the contract itself, so you can access capital within 24 hours of approval.

How fast can a contractor get funded?

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

How much can a construction business qualify for?

Amounts scale with revenue: $30K–$100K/mo often qualifies for $50K–$250K; $100K–$300K/mo for $200K–$600K; and high-revenue contractors for up to $5,000,000.

This guide is provided for general informational purposes. Funding types, amounts, speeds, and credit ranges are typical 2026 industry figures and vary by lender and underwriting; actual terms for Funded Contractor Capital are determined at application. SBA loans are issued by SBA-approved lenders. Product and company names referenced are the property of their respective owners. See /apply/ for live qualification.