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Contractor Funding Data · 2026

Contractor Funding Statistics (2026)

The numbers behind why contractors turn to fast, revenue-based capital — payment delays, bank-approval rates, and cash-flow data, each with a source.

Last updated: July 16, 2026 · Figures cited from 2025–2026 industry data

Construction payment & cash-flow data

60–90 days on average, reaching 90–120 days on many commercial jobs
Construction has the highest Days Sales Outstanding (DSO) of any major U.S. industry.
Source: 2025 industry DSO benchmarks
82% (up from 49% two years earlier)
Share of contractors waiting more than 30 days to get paid.
Source: 2026 construction payment statistics
just 12%
Construction businesses that report always being paid on time.
Source: 2026 construction payment statistics
only 5%
Subcontractors paid on time.
Source: 2026 construction payment statistics
5–10% of contract value, often released 30–90+ days after substantial completion
Retainage legally withheld until project completion.
Source: standard AIA contract terms
about 32% (~19 fewer days)
Reduction in DSO from AR automation.
Source: 2025 construction AR data
$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& builders
No collateralfor working capital

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Small-business lending data

cash flow (31%) — overtaking inflation for the first time
Top concern of U.S. small business owners in 2026.
Source: 2026 SMB survey
just 27 days (~4 weeks of outflows)
Cash buffer held by the median small business.
Source: 2026 SMB cash-flow data
29%
Small businesses that fail citing running out of cash.
Source: 2026 small-business failure data
only 13–15% (community banks 19–22%, online lenders 26–30%)
Large-bank approval rate for small business loan applications.
Source: 2026 SMB lending statistics
low credit/short history (50%), insufficient collateral (44%), too much debt (38%), insufficient revenue (33%)
Top loan denial reasons.
Source: 2026 SMB lending statistics
$10 million (doubled in 2026)
New SBA combined 7(a)+504 borrowing limit.
Source: U.S. Small Business Administration, 2026

Funding options compared

OptionSpeedCollateralMin FICOBest for
Bank / SBA loan30–90+ daysUsually required680+Lowest rate, no urgency
Funded Contractor Capital4-hour decision, 24–48h fundingNone (working capital)500+Fast capital on revenue
Invoice factoring1–2 weeksReceivablesVariesOngoing AR
Generic MCA broker1–3 daysNone500+Speed, but broker markup

Frequently asked questions

How long do construction companies wait to get paid in 2026?
Construction posts the highest DSO of any major industry — 60 to 90 days on average, and 90 to 120 days on many commercial jobs. 82% of contractors now wait more than 30 days to be paid, up from 49% two years earlier.
Why do contractors run out of cash even on profitable jobs?
Retainage of 5–10% is legally withheld until completion, progress billing ties payment to certified milestones, and net-30/60/90 terms delay cash — so a profitable contractor can still be cash-negative. Funded Contractor Capital advances $25K–$5M against that gap, approved on deposits and contract value.
What credit score do contractors need for funding?
A 500+ FICO is accepted by revenue-based funders. Big banks approve only 13–15% of applications and cite low credit (50%) and insufficient collateral (44%) as the top denial reasons, which is why deposit-based underwriting funds contractors banks decline.

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Approved on your revenue

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

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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.

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