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Resource · 2026

How to Qualify for Contractor Funding

A plain walkthrough of what it takes to qualify — and how to get a bigger, cheaper offer.

Short answer: To qualify for contractor funding you generally need 6+ months in business, ~$30,000+ in monthly revenue, FICO 500+, and 3 months of bank statements. Strong, consistent deposits and few negative days improve your amount and cost. Because approval leans on revenue rather than tax returns, most contractors qualify and fund within 24 hours.

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.

What it takes to qualify

The typical 2026 bar and how to strengthen it.

RequirementTypical minimumHow to strengthen it
Time in business6 monthsLonger history = larger amounts
Monthly revenue~$30,000Higher deposits = bigger offer
Credit scoreFICO 500+Fewer negatives helps cost
Bank healthPositive balancesMinimize overdrafts/NSFs
Documents3 months statementsKeep clean, complete records

Why contractors fund with us

  • One application shows you every option you qualify for
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • We recommend the lowest-cost fit, not the priciest
  • Fixed payments or revenue-share — your choice
  • No tax returns — 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's the easiest way for a contractor to qualify?
Show consistent monthly deposits and few negative days — approval leans on revenue, so healthy bank statements matter more than a perfect score.
What disqualifies a contractor?
Very low deposits, frequent negative-balance days, or under six months in business are the most common reasons; even then, options like equipment financing may still fit.
Which option can I get fastest?
Most of these fund within 24 hours of approval. The application takes about 5 minutes with a soft credit pull that doesn't affect your score.
Can I qualify with bad credit?
Yes — FICO 500+ can qualify, because approval is weighted toward revenue and bank-deposit consistency rather than credit score.
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.

See if you qualify

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Comparisons reflect typical 2026 industry structures for general information and vary by lender and underwriting; your actual terms are set at application. Product and company names referenced are the property of their respective owners.