✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
National Funding Alternative · 2026

The Best National Funding Alternative for Contractors

Looking beyond National Funding? Here's how Funded Contractor Capital compares for contractors.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& builders
No collateralfor working capital

See how much your contracting business qualifies for

$25K to $5M for contractors and builders — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

START MY APPLICATION →

🔒 Soft credit pull · will not affect your credit score

Short answer: National Funding is an alternative lender offering small-business loans and equipment financing. Contractors that want faster funding, more product options, or approval with lower credit compare alternatives. Funded Contractor Capital offers up to $5,000,000 across working capital, equipment, lines of credit, and revenue-based funding, accepts FICO 500+, and funds in 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.

Funded Contractor Capital vs National Funding

Independent comparison based on publicly available information as of 2026; figures vary by underwriting.

CriteriaFunded Contractor CapitalNational Funding
Maximum fundingUp to $5,000,000Varies
ProductsWC, equipment, LOC, RBFLoans, equipment
CreditFICO 500+Varies
Speed24 hoursFast

Why contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Multiple products for contractors
  • Fixed payments OR revenue-share

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

Why compare a National Funding alternative?
Contractors often want contractor-specific underwriting, more product options, or the choice of revenue-based repayment.
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.

Get more than National Funding offers

Apply in 5 minutes with a soft credit pull.

Apply Now →

This is an independent comparison based on publicly available information about National Funding as of 2026; features and terms may have changed. Funded Contractor Capital is not affiliated with or endorsed by National Funding. Product and company names referenced are the property of their respective owners. Funded Contractor Capital terms are set at application.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why contractors choose us

Capital built for builders — mobilization, equipment, materials, and payroll between draws.

🏗️

Built for builders

GCs, subs, and specialty trades. Design-build, draw funding, and growth capital sized to your jobs.

⚡

Funded in 24 hours

Win a bid, buy materials, or bridge a slow-paying GC — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your contracting business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute