Funded Contractor Capital Apply Now →
Term Loans · 2026

Contractor Business Term Loans

Predictable, fixed payments for a defined need — equipment, expansion, or a big project.

Short answer: A contractor term loan provides a lump sum repaid in fixed daily or weekly payments over a set term — predictable and easy to bid around. $25,000 to $5,000,000, FICO 500+, funded in as little as 24 hours through Funded Contractor Capital.

When a term loan fits

Best uses of a fixed-payment loan.

UseTypical amountTerm
Equipment purchase$25K – $2M12–60 mo
Expansion / new crews$50K – $5M12–48 mo
Large project buildout$100K – $5M12–36 mo
Debt consolidation$25K – $1M12–36 mo

Why contractors choose us

  • Fixed payments you can plan and bid around
  • 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

How long are the terms?
Typically 12 to 60 months depending on the amount and use.
Can I qualify with challenged credit?
Yes — FICO 500+ can qualify based on 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 a predictable term loan

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.