Funded Contractor Capital Apply Now →
Civil Construction Funding · 2026

Civil Construction Contractor Funding

Capital built for civil construction contractors — finance equipment, cover payroll between draws, and take on bigger jobs, funded in as little as 24 hours.

Short answer: Civil Construction contractors use funding to buy heavy equipment, haul trucks, pumps, and survey gear, cover crew payroll and materials while waiting on progress draws, mobilize on new jobs, and take on larger contracts. Funded Contractor Capital provides $25,000 to $5,000,000, approves on revenue (FICO 500+), and funds in as little as 24 hours — underwritten on your bank deposits, not the contract.

What civil construction contractors fund

Common uses of capital for civil construction contractors. All available through Funded Contractor Capital.

Use of fundsTypical amountExample
Equipment & tools$10K – $500KFinance a fleet of haul trucks and heavy equipment
Payroll & materials$25K – $1MFund a public works job between progress payments
Job mobilization$25K – $500KStart the next civil construction job before it pays
Growth / bigger contracts$50K – $5MScale to larger projects and more crews

Why civil construction contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Finance equipment with the gear as collateral
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • No tax returns — just 3 months of bank statements

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

Can civil construction contractors finance equipment?
Yes. A fleet of haul trucks and other civil construction equipment can be financed with the gear itself as collateral, and FICO 500+ is accepted because approval leans on revenue.
Can I get civil construction contractor funding with bad credit?
Yes — FICO 500+ can qualify. Approval is weighted toward monthly revenue and bank-deposit consistency rather than credit score, so bank turndowns are common approvals here.
How do civil construction contractors cover payroll between draws?
Working capital or a bridge covers crew payroll and materials now and is repaid when the progress draw or payment lands — underwritten on your deposits, not the contract.
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.
How much can I qualify for?
Amounts scale with revenue, from $25,000 up to $5,000,000 for high-revenue contractors.

Fund your civil construction business

Apply in 5 minutes with a soft credit pull. Get the capital your crews need, funded fast.

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.