Contractor Equipment Financing in Modesto, CA

Modesto contractors and trade businesses can get $25,000 to $5,000,000 in contractor equipment financing — approved on your revenue and bank deposits, not just your credit (FICO 500+), with approval in 1 to 3 days. Contractor Equipment Financing funds new or used equipment with the machine as collateral. You don't need an existing loan or advance to qualify — this is straight first-position capital for Modesto contractors.

Get funded in Modesto — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Modesto contractors choose us

• Your receivables carry the file. A 500+ FICO in Modesto is workable when deposits arrive consistently.
• No existing facility needed. First-position funding, priced for a book with money still out on the street.
• $25K to $5M. Cover one payroll cycle while you wait, or carry a Modesto job all the way to final payment.
• Faster than the payment cycle. Most Modesto approvals come in 2 to 4 hours and fund the same day — well inside a progress-billing window.

Where contractor equipment financing actually goes for Modesto subcontractors

Subcontracting in Modesto means fronting labour and material long before the invoice clears. That capital typically goes to:

• Buy or replace heavy equipment
• Add trucks and trailers
• Upgrade to newer machines
• Add capacity for a new contract

How it works in Modesto

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Modesto contractors are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Modesto business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a Modesto subcontractor with no open advances gets the best pricing on offer.

What credit score do I need? 500+ FICO is accepted. What matters more is that deposits land steadily while receivables are still outstanding.

Get contractor equipment financing in Modesto today

Fast, first-position funding for Modesto contractors — approved on revenue, funded the same day. Apply Now ⚡