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Residential · 2026

Residential Contractor Funding

Capital for residential contractors, remodelers, and home builders — from mobilization through the draw gaps, funded in as little as 24 hours.

Short answer: Contractors working on residential contractors, remodelers, and home builders use funding to buy materials, pay crews, and cover the gap between finishing work and getting paid by homeowners or builders. 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 residential contractors fund

Common uses on these projects.

UseTypical amountSpeed
Materials$25K – $500K24 hours
Crew payroll$25K – $250K24 hours
Multiple jobs$50K – $1M24 hours
Equipment$15K – $500K1–3 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 residential remodelers get funded?
Yes — approval is based on revenue and deposits, ideal for job-to-job cash flow.
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 residential 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.