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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
New Jersey Contractor Loans · 2026

New Jersey Contractor Business Loans

Fast contractor business loans for contractors across New Jersey — serving Newark, Jersey City, and Paterson — approved on your revenue and funded in as little as 24 hours.

$25K–$5Mloans range
24 hrstypical loans
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: New Jersey contractors — from Newark, Jersey City, and Paterson — get fast business loans approved on revenue (FICO 500+), not the contract. Funded Contractor Capital funds New Jersey contractors $25,000 to $5,000,000 across working capital, equipment, and lines of credit, in as little as 24 hours.

Reviewed by the Funded Contractor Capital team · Updated July 2026

How loans works, step by step

From application to loans in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

What New Jersey contractors fund

Common uses of contractor business loans for contractors across New Jersey.

Use of fundsTypical amountSpeed
Working capital$25K – $1M24 hours
Equipment financing$25K – $2M1–3 days
Line of credit$10K – $500K1–2 days
Mobilization$25K – $500K24 hours

Why New Jersey contractors choose us

  • Serving contractors across New Jersey, from Newark, Jersey City, and Paterson
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Underwritten on deposits, not the contract
  • Repay as your projects pay you

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

Do you fund contractors in New Jersey?
Yes — Funded Contractor Capital funds contractors across New Jersey, including Newark, Jersey City, and Paterson, approved on revenue with FICO 500+.
How fast can a New Jersey contractor get funded?
Most fund within 24 hours of approval; smaller amounts can be same-day.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Fund your New Jersey business

Apply in 5 minutes with a soft credit pull. Get the capital your crews need, funded fast.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Loans is subject to approval. Availability may vary by state. 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 loans, 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