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

Contractor Bridge Loan — Capital Between Jobs & Draws

Cover the stretch between finishing one job and getting paid on the next — short-term capital repaid when the draw or check lands.

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

See how much your contracting business qualifies for

$25K to $5M for contractors and trades — 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: A contractor bridge loan is short-term capital that spans the gap between jobs, draws, or payments — so you can buy materials, make payroll, and start the next job before the last one pays. Funded Contractor Capital bridges from $25,000 to $5,000,000, on FICO 500+, funded in as little as 24 hours, underwritten on deposits rather than the contract.

When contractors need a bridge

Common timing gaps a bridge loan covers for contractors. All available through Funded Contractor Capital.

GapWhat the bridge coversSpeed
Between finishing and getting paidPayroll and overhead until the check lands24 hours
Starting the next jobMaterials and mobilization before the draw24 hours
Slow progress drawCosts while the GC or owner releases funds24 hours
Retainage held backCash tied up until closeout1-2 days
Multiple active jobsCross-job capital between draws1-3 days

Why contractors bridge with us

  • Underwritten on deposits, not the contract
  • Short-term structure tied to your draw 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 a contractor bridge loan?
Short-term capital that spans the gap between jobs, draws, or payments so you can keep crews and materials 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 or draw schedule, which keeps it fast.
How fast can I get bridge funds?
Most contractors fund within 24 hours of approval. The application takes about 5 minutes with a soft credit pull.
Can it cover retainage?
Yes — a bridge can cover cash tied up in retainage held until project closeout.
How much can I bridge?
From $25,000 up to $5,000,000, scaled to your revenue.

Bridge to your next job

Apply in 5 minutes with a soft credit pull. Keep working while you wait to get paid.

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.

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Why contractors choose us

Funding that fits construction cash flow — retainage, progress draws, equipment, and payroll gaps.

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Built for the trades

General contractors, subs, and every trade. We fund the way construction actually gets paid.

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Funded in 24 hours

Cover materials, mobilization, or payroll between draws — decision in as little as 4 hours.

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Approved on your revenue

500+ FICO accepted. Underwritten 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