Funding Speed · 2026

How Fast Can a Contractor Get Funded?

A clear answer on real timelines — and how to get funded as fast as possible.

Short answer: With an alternative lender, a contractor can get funded the same day for smaller amounts and within 24 hours for larger funding — versus weeks at a bank. Approval takes hours because it's based on bank statements, not tax returns. Funded Contractor Capital funds $25K-$5M, FICO 500+.

Speed by source

Typical 2026 timelines.

Source	Time to funding	Credit
Funded Contractor Capital	Same day – 24 hours	FICO 500+
Online lenders	1–3 days	600+
SBA loan	3–8 weeks	650+
Bank	2–6 weeks	680+

Why contractors choose us

Apply early for same-day funding
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 realistically?

Same-day for amounts under ~$100K with strong deposits; larger up to $5M within 24 hours.

What slows it down?

Larger amounts, weak deposits, and applying late in the day.

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.

Get funded as fast as possible

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.