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Emergency · 2026

Emergency Contractor Funding

When equipment breaks, payroll's at risk, or a deadline hits — fast capital to handle it now.

Short answer: Emergency contractor funding is fast capital for an urgent, unexpected cost — a broken machine, a missed-payroll risk, or a deadline. Funded Contractor Capital approves in hours and funds in as little as 24 hours, FICO 500+, from $25,000 to $5,000,000.

Reviewed by the Funded Contractor Capital Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

Emergencies we fund

Urgent situations covered.

EmergencyWhat it coversSpeed
Equipment breakdownFast replacement before it costs the job24 hours
Payroll at riskCover the cycle now24 hours
Deadline / vendorA one-time obligation due now24 hours
Sudden opportunityA job you can't wait on24 hours

Why contractors choose us

  • Approval in hours when time matters
  • 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 fast is emergency funding?
Most contractors are approved in hours and funded within 24 hours.
Can I get it with bad 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.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Handle the emergency now

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.