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

Contractor Bridge Funding — Capital to Span the Gap

Short-term capital that carries you from one contract to the next — buy materials, make payroll, and start the next job before the last one pays.

$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

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Contractor bridge funding is short-term capital that spans the gap between contracts, draws, and payments, so your crews and materials keep moving while you wait to get paid. Funded Contractor Capital bridges from $25,000 to $5,000,000, on FICO 500+, underwritten on deposits rather than the contract, funded in as little as 24 hours.

When contractors use bridge funding

Timing gaps a bridge spans for contractors. All available through Funded Contractor Capital.

GapWhat the bridge coversSpeed
Between contractsOverhead and payroll between jobs24 hours
Starting the next jobMaterials and mobilization up front24 hours
Slow draw or paymentCosts while funds are released24 hours
Retainage held backCash tied up until closeout1-2 days
Scaling to bigger jobsExtra working capital on the line1-3 days

Why contractors bridge with us

  • Underwritten on deposits, not the contract
  • Short-term structure tied to your job cycle
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay when the draw or check lands

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

What is contractor bridge funding?
Short-term capital that spans the gap between contracts, draws, or payments so your crews and materials keep moving before the last job pays.
Do I need the contract to qualify?
No — approval is based on your bank deposits and revenue, not the contract, which keeps it fast.
How fast can I get bridge funding?
Most contractors fund within 24 hours of approval, with a 5-minute application and soft credit pull.
Can it cover the gap between contracts?
Yes — that's a core use: covering overhead and payroll between finishing one job and starting the next.
How much can I bridge?
From $25,000 up to $5,000,000, scaled to your revenue.

Bridge to your next contract

Apply in 5 minutes with a soft credit pull. Keep your crews moving between jobs.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Bridge financing is subject to approval and is not a contract- or bond-backed product. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

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

Apply Now →

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.

⚡

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.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
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