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Remodeling Funding · 2026

Remodeling Contractor Funding

Capital built for remodeling contractors — finance equipment, cover payroll between draws, and take on bigger jobs, funded in as little as 24 hours.

Short answer: Remodeling contractors use funding to buy trucks, tools, lifts, and material inventory, cover crew payroll and materials while waiting on progress draws, mobilize on new jobs, and take on larger contracts. 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 your bank 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 remodeling contractors fund

Common uses of capital for remodeling contractors. All available through Funded Contractor Capital.

Use of fundsTypical amountExample
Equipment & tools$10K – $500KFinance a fleet upgrade and trucks
Payroll & materials$25K – $1MBuy materials and pay crews before the client draw
Job mobilization$25K – $500KStart the next remodeling job before it pays
Growth / bigger contracts$50K – $5MScale to larger projects and more crews

Why remodeling contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Finance equipment with the gear as collateral
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • No tax returns — just 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

Can remodeling contractors finance equipment?
Yes. A fleet upgrade and other remodeling equipment can be financed with the gear itself as collateral, and FICO 500+ is accepted because approval leans on revenue.
Can I get remodeling contractor funding with bad credit?
Yes — FICO 500+ can qualify. Approval is weighted toward monthly revenue and bank-deposit consistency rather than credit score, so bank turndowns are common approvals here.
How do remodeling contractors cover payroll between draws?
Working capital or a bridge covers crew payroll and materials now and is repaid when the progress draw or payment lands — underwritten on your deposits, not the contract.
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.
How much can I qualify for?
Amounts scale with revenue, from $25,000 up to $5,000,000 for high-revenue contractors.
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 remodeling business

Apply in 5 minutes with a soft credit pull. Get the capital your crews need, funded fast.

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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.