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Revenue-Based · 2026

Revenue-Based Financing for Contractors

Payments that rise and fall with your cash flow — built for seasonal, project-based contracting.

Short answer: Revenue-based financing is repaid as a share of deposits, so slow weeks mean smaller payments and busy weeks pay it down faster. Ideal for seasonal contractors. $25,000 to $5,000,000, FICO 500+, funded in 24 hours through Funded Contractor Capital.

Revenue-based vs fixed

How flexible repayment compares.

FeatureRevenue-BasedFixed Loan
Payment sizeFlexes with depositsSame every period
Slow seasonSmaller paymentsSame payment due
Best forSeasonal / unevenSteady revenue
Speed24 hours1–3 days

Why contractors choose us

  • Payments shrink automatically in slow weeks
  • 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

Is it good for seasonal contractors?
Yes — payments drop in slow periods, matching weather-dependent and seasonal trades.
How is it different from an MCA?
It often carries a lower effective cost and ties repayment to actual revenue.
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.

Get funding that flexes with you

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.