Capital for contractors of every trade — cover payroll, buy materials, and mobilize between draws, funded in as little as 24 hours.
Get Funded →$25K to $5M for contractors and builders — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Short online application with a soft credit pull that does not affect your score.
Approval is based on your last 3 months of bank statements — not tax returns or the contract.
See your amount and terms up front, with any fees disclosed before you accept.
Sign and receive funds by ACH, often within 24 hours of approval.
The main ways contractors access working capital, and when each fits.
| Option | How it works | Best for |
|---|---|---|
| Working capital / term loan | Lump sum, fixed payments | A planned, one-time need |
| Business line of credit | Revolving, draw as needed | Recurring gaps between draws |
| Revenue-based funding | Repay as a share of deposits | Seasonal or uneven cash flow |
| Merchant cash advance | Advance repaid from deposits | Fast cash, weaker credit |
| Equipment financing | Secured by the equipment | Trucks and machinery |
Estimate your funding amount and payment. Move the slider to your average monthly revenue.
Estimates only, for illustration. Real amounts and terms are set at underwriting.
Working capital through Funded Contractor Capital runs from $5,000 to $5,000,000, priced on your revenue, time in business, and deposit health. It is underwritten on your deposits — not the contract — so it funds fast.
Most approvals fund within 24 hours. The application takes about 5 minutes with a soft credit pull.
Use the calculator above to estimate your amount and payment.
Carry subs and materials across the draw gap on every project.
Fund crews and equipment while progress draws catch up.
Buy material and cover labor before the pour pays.
Front materials and dry-in a job before the draw releases.
Apply in 5 minutes with a soft credit pull. Keep your crews and materials moving.
Get Funded →Figures, ranges, and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual amount and terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.
Approved on your revenue, not just your credit. Start your 1-minute application.
Capital built for builders — mobilization, equipment, materials, and payroll between draws.
GCs, subs, and specialty trades. Design-build, draw funding, and growth capital sized to your jobs.
Win a bid, buy materials, or bridge a slow-paying GC — decision in as little as 4 hours.
500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.
Approved on your deposits, not just your score. Funded in as little as 24 hours.
Funding trade and specialty construction businesses with $25K–$5M in fast, flexible capital.
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute