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Working Capital · 2026

Contractor Working Capital for Payroll, Materials & Cash Flow

Keep crews paid and materials flowing while you wait on invoices and progress draws — capital based on your revenue, not the job.

Short answer: Working capital gives contractors flexible cash to cover payroll, materials, fuel, and overhead while waiting on invoices or draws. It's underwritten on your bank deposits, not the contract, so approval is fast and doesn't need owner sign-off. Amounts run $25,000 to $5,000,000, FICO 500+ is accepted, and funds land in as little as 24 hours.

What contractors use working capital for

Common uses when money goes out before it comes in. All available through Funded Contractor Capital.

Use of fundsTypical amountSpeed
Crew & sub payroll$25K – $500K24 hours
Materials & supplies$25K – $1M24 hours
Fuel & fleet costs$10K – $150K24 hours
Overhead between jobs$25K – $500K24 hours
Multi-job cash flow$100K – $5M1–3 days

Why contractors choose us

  • Approved on revenue and deposits, not just credit
  • FICO 500+ accepted
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • Use it across payroll, materials, or overhead
  • No tax returns — just 3 months of bank statements

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

What is working capital for a contractor?
It's flexible short-term funding used to cover day-to-day operating costs — payroll, materials, fuel, and overhead — especially when cash goes out before invoices or draws come in.
How is it different from a loan for a specific purchase?
Working capital isn't tied to one purchase like equipment financing. You use it for whatever the business needs to keep running, which makes it ideal for smoothing cash flow across jobs.
Can I qualify with bad credit?
Yes — FICO 500+ can qualify. Approval leans on monthly revenue and deposit consistency rather than credit score alone.
How fast can I get working capital?
Most contractors fund within 24 hours of approval; larger requests may take 1-3 days. The application takes about 5 minutes with a soft credit pull.
How much can I get?
Amounts scale with revenue, from $25,000 up to $5,000,000 for high-revenue contractors.

Cover payroll and materials today

Apply in 5 minutes with a soft credit pull. Keep your crews working while you wait to get paid.

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.