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Infrastructure & Heavy Civil · 2026

Infrastructure & Heavy Civil Contractor Funding

Capital for infrastructure, heavy-civil, and site-development contractors — from mobilization through the draw gaps, funded in as little as 24 hours.

Short answer: Contractors working on infrastructure, heavy-civil, and site-development contractors use funding to fund heavy equipment, haul, and payroll on long-timeline public and private infrastructure jobs. Funded Contractor Capital provides $25,000 to $5,000,000, approves on revenue (FICO 500+), and funds in as little as 24 hours — underwritten on deposits, not the contract.

What infrastructure & heavy civil contractors fund

Common uses on these projects.

UseTypical amountSpeed
Heavy equipment$50K – $2M1–3 days
Payroll & haul$25K – $500K24 hours
Mobilization$50K – $1M24 hours
Draw-gap bridge$100K – $5M1–2 days

Why contractors choose us

  • Underwritten on deposits, not the contract
  • 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

Can heavy-civil contractors finance big equipment?
Yes — equipment financing up to $2M with the machine as collateral, plus working capital up to $5M.
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.

Fund your infrastructure & heavy civil project

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.