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Mobilization · 2026

Contractor Mobilization Funding

Won the bid but need cash before the first draw? Fund materials, equipment, and crews now.

Short answer: Mobilization funding gives contractors the cash to buy materials, rent equipment, and cover payroll before the first progress draw. Underwritten on your deposits — not the contract — so it's fast. $25,000 to $5,000,000, FICO 500+, funded in 24 hours through Funded Contractor Capital.

Reviewed by the Funded Contractor Capital Funding Team · Updated July 2026

How funding works, step by step

From application to funding 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 mobilization covers

Common start-of-project costs.

UseTypical amountSpeed
Materials & supplies$25K – $1M24 hours
Crew & sub payroll$25K – $500K24 hours
Equipment rental$10K – $250K24 hours
Permits & insurance$10K – $150K1–2 days

Why contractors choose us

  • Underwritten on deposits, not the contract — no owner sign-off
  • 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

Do I need the signed contract to qualify?
No — approval is based on your bank statements, not the awarded contract.
What if my draws are slow?
You fund now and repay as the project pays you, so slow draws don't stall crews.
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.
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.

Mobilize on your next project

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.