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Payroll Funding · 2026

Contractor Payroll Funding

Payroll doesn't wait for the draw — cover crews and subs now, repay as the project pays you.

Short answer: Payroll funding gives contractors cash to pay crews and subcontractors on time even when a draw is slow. Underwritten on deposits, so it funds fast — $25,000 to $500,000, FICO 500+, in as little as 24 hours through Funded Contractor Capital.

What payroll funding covers

When wages are due before the draw.

NeedTypical amountSpeed
Weekly crew payroll$25K – $250K24 hours
Subcontractor payments$25K – $500K24 hours
Prevailing / certified payroll$25K – $300K24 hours
Bridge between draws$50K – $500K1–2 days

Why contractors choose us

  • Pay crews and subs on time, every cycle
  • 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

Can I use it for certified payroll?
Yes — it can cover any labor cost, including certified payroll on public projects.
Do I need the contract to qualify?
No — approval is based on your deposits, not the draw schedule.
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.

Never miss payroll again

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.