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2026 Requirements

Contractor Loan Requirements

Exactly what it takes to qualify — no guesswork, no surprise paperwork.

Short answer: To qualify for fast contractor funding you generally need 6+ months in business, ~$30,000+ in monthly revenue, FICO 500+, and 3 months of business bank statements. Approval leans on revenue and deposit consistency, not tax returns — which is how Funded Contractor Capital approves in hours and funds within 24 hours.

Core requirements

The typical 2026 bar.

RequirementTypical minimumNotes
Time in business6 monthsNewer needs more revenue
Monthly revenue~$30,000Higher = larger amounts
Credit scoreFICO 500+Considered, not decisive
Documents3 months bank statementsNo tax returns
BusinessUS-based, valid EINMost trades eligible

Why contractors choose us

  • Consistent monthly deposits drive approval
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • No tax returns — 3 months of bank statements
  • One application, multiple funding options

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 credit score does a contractor need?
FICO 500+ can qualify; revenue and deposit consistency matter more.
Do I need tax returns?
No — just 3 months of business bank statements.
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.

See if you qualify

Apply in 5 minutes with a soft credit pull.

Apply Now →

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.