✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Contractor Funding Guide · 2026

Best Funding Options for Contractors & Construction Businesses

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.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& builders
No collateralfor working capital

See how much your contracting business qualifies for

$25K to $5M for contractors and builders — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

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🔒 Soft credit pull · will not affect your credit score

Short answer: The best funding option for a contractor depends on the job. Buying trucks or heavy equipment? Equipment financing — the machine is the collateral. Covering payroll and materials while you wait on a draw or invoice? Working capital or a line of credit. Seasonal or uneven cash flow? Revenue-based funding that flexes with your deposits. Funded Contractor Capital offers all of these from $25,000 to $5,000,000, approved on your revenue (FICO 500+ OK) and funded in as little as 24 hours.

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 typeTypical amountSpeedCreditBest for
Equipment Financing$10K – $2M1–3 days500+Trucks, excavators, tools, machinery
Working Capital$25K – $5M24 hours500+Payroll, materials, mobilization
Business Line of Credit$10K – $500K1–2 days580+Ongoing draws between jobs
Revenue-Based Funding$25K – $5M24 hours500+Seasonal / uneven cash flow
SBA Loan$50K – $5M3–8 weeks650+Lowest rates, if you can wait
Bank Term Loan$50K – $1M2–6 weeks680+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

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.

Get funded for your next job

Apply in 5 minutes with a soft credit pull. See what your contracting business qualifies for — no obligation.

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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.

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Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose us

Capital built for builders — mobilization, equipment, materials, and payroll between draws.

🏗️

Built for builders

GCs, subs, and specialty trades. Design-build, draw funding, and growth capital sized to your jobs.

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Funded in 24 hours

Win a bid, buy materials, or bridge a slow-paying GC — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

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Before you go

See how much your contracting business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute