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Line of Credit · 2026

Contractor Business Line of Credit

Revolving capital you draw between jobs and reuse as you repay — built for project-based cash flow.

Short answer: A contractor line of credit is a revolving pool of capital you draw from as needed, paying only for what you use, then reuse as you repay. Ideal for the gaps between jobs and draws. Limits $10,000 to $500,000, FICO 580+, fast approval through Funded Contractor Capital.

When a line beats a loan

How a revolving line compares for contractors.

FeatureLine of CreditTerm Loan
StructureRevolving, reusableLump sum, once
You pay forOnly what you drawThe full balance
Best forGaps between jobsOne big purchase
ReusableYesNo

Why contractors choose us

  • Draw only what you need, when you need it
  • Pay interest only on the balance you use
  • Reuse it job after job
  • Smooths uneven cash flow
  • FICO 580+ considered; based on revenue
  • Fast approval, funds on demand

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

How much can a contractor get?
Limits typically run $10,000 to $500,000, scaled to your revenue and deposits.
Is a line better than a loan?
For uneven, project-based cash flow, usually yes — you cover gaps and reuse the capital.
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.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and bank-deposit consistency.

Open your contractor line of credit

Apply in 5 minutes with a soft credit pull.

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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.