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No Collateral · 2026

No-Collateral Contractor Loans

Get funded without pledging your home or property — approval is based on your revenue and deposits.

Short answer: Most contractor working-capital products require no real-estate or hard collateral — approval is based on your monthly revenue and bank-deposit consistency. Funded Contractor Capital funds unsecured working capital from $25,000 to $5,000,000, FICO 500+, in as little as 24 hours. (Equipment financing is secured by the equipment itself.)

Secured vs unsecured for contractors

What requires collateral and what doesn't.

ProductCollateralBased on
Working capitalNoneRevenue & deposits
Line of creditNoneRevenue & deposits
Revenue-basedNoneRevenue & deposits
Equipment financingThe equipmentAsset + revenue

Why contractors choose us

  • No home or property pledged for working capital
  • 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

Do I have to pledge my house?
No — working-capital products are unsecured and based on revenue, not real estate.
What if I want equipment?
Equipment financing is secured by the equipment itself, not other assets.
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.

Get funded without collateral

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.