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Multifamily Construction · 2026

Multifamily Construction Contractor Funding

Capital for multifamily and apartment construction contractors — from mobilization through the draw gaps, funded in as little as 24 hours.

Short answer: Contractors working on multifamily and apartment construction contractors use funding to cover materials, subs, and payroll across long build timelines and bridge the gaps between large progress draws. 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.

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 multifamily construction contractors fund

Common uses on these projects.

UseTypical amountSpeed
Materials & subs$50K – $2M24 hours
Payroll$25K – $500K24 hours
Draw-gap bridge$100K – $5M1–2 days
Equipment$25K – $2M1–3 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 multifamily builders get large funding?
Yes — high-revenue contractors qualify for up to $5,000,000, funded on deposits.
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.
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.

Fund your multifamily construction project

Apply in 5 minutes with a soft credit pull.

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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.