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2026 Guide

How Contractors Get Business Funding

The clear, no-jargon guide to getting your contracting business funded — options, requirements, and timelines.

Short answer: Contractors get funded fastest through alternative lenders that underwrite on revenue and bank deposits rather than tax returns and credit — approving in hours and funding within a day. The main options are working capital, equipment financing, lines of credit, revenue-based funding, and mobilization funding. Funded Contractor Capital offers all of them, $25K-$5M, FICO 500+.

Contractor funding options at a glance

How the main options compare in 2026.

OptionSpeedBest for
Working capital24 hoursPayroll, materials, cash flow
Equipment financing1–3 daysTrucks, machines, tools
Line of credit1–2 daysGaps between jobs
Mobilization funding24 hoursStarting a new contract
Revenue-based24 hoursSeasonal cash flow

Why contractors choose us

  • Approved on revenue, not tax returns
  • 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

What's the fastest way for a contractor to get funded?
Working capital or revenue-based funding through an alternative lender — approved on deposits and funded in as little as 24 hours.
What do I need?
6+ months in business, ~$30K+ monthly revenue, and 3 months of bank statements.
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.

See what you qualify for

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.