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SBA & Alternatives · 2026

SBA Loans for Contractors

Low-rate SBA financing for contractors — plus faster capital for when you can't wait weeks.

Short answer: SBA loans give contractors low rates and long terms but take weeks to months and require strong credit and documentation. When you need capital faster, Funded Contractor Capital funds in 24 hours on revenue (FICO 500+) — and can bridge you while an SBA loan closes.

SBA vs fast funding

How SBA compares to alternative funding for contractors.

FeatureSBA LoanFunded Contractor Capital
Speed3–8 weeks24 hours
Credit650+FICO 500+
DocumentsExtensive3 months bank statements
Best forLowest cost, if you can waitFast, flexible capital

Why contractors choose us

  • Fund now while a slower SBA loan is in process
  • 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

Are contractors eligible for SBA loans?
Yes, but approval requires strong credit and documentation and takes weeks to months.
Can I bridge until my SBA loan closes?
Yes — interim capital keeps the business moving until the SBA facility finalizes.
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 funded while SBA is pending

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.