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

Fast Contractor Funding: Same-Day & 24-Hour Business Cash

Need cash today? Fast funding for contractors — apply in minutes and get funded in hours, approved on your revenue, not slow bank paperwork.

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Same dayFastest
24 hrMost funding
500+Min FICO
$5MMax amount
$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.

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🔒 Soft credit pull · will not affect your credit score

Reviewed by the Funded Contractor Capital team · Updated July 2026

How fast can a contractor get funded?

Fast business funding means applying and getting cash the same business day for smaller amounts, and within 24 hours for larger funding. Because Funded Contractor Capital approves on your bank deposits (FICO 500+) — not tax returns — decisions take hours, not weeks. Amounts run $5,000 to $5,000,000, with a 5-minute application and a soft credit pull.

From application to cash

1

Apply in 5 minutes

Short application with a soft credit pull that does not affect your score.

2

Decision in hours

Reviewed on your deposits — not tax returns or collateral.

3

Accept your offer

Amount and terms shown up front, fees disclosed before you sign.

4

Funded fast

ACH to your account — same day for smaller amounts.

How fast, by source

Typical 2026 time-to-funding.

SourceTime to fundingCredit
Funded Contractor CapitalSame day – 24 hoursFICO 500+
Online lenders1 – 3 days600+
SBA loan3 – 8 weeks650+
Bank2 – 6 weeks680+

Working Capital Calculator

Estimate your funding amount and payment. Move the slider to your average monthly revenue.

$50,000Estimated funding
12 moTypical term
$4,896Est. monthly payment

Estimates only, for illustration. Real amounts and terms are set at underwriting.

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of business bank statements
  • Valid EIN and business bank account
  • FICO 500+ (approval on revenue)

Amounts & speed

Fast funding through Funded Contractor Capital runs from $5,000 to $5,000,000. Smaller amounts with strong deposits can fund the same business day; larger amounts fund within 24 hours of approval.

Apply early in the day for the best chance at same-day. The application takes about 5 minutes with a soft credit pull.

Use the calculator above to estimate your amount and payment.

Contractor businesses we fund fast

General Contractors

Carry subs and materials across the draw gap on every project.

Electrical, Plumbing & HVAC

Fund crews and equipment while progress draws catch up.

Concrete & Masonry

Buy material and cover labor before the pour pays.

Roofing & Exterior

Front materials and dry-in a job before the draw releases.

When fast funding makes sense

Frequently asked questions

Can I really get funded the same day?
Yes for many businesses — smaller amounts with strong deposits can fund same-day. Apply early for the best chance.
Does applying hurt my credit?
No — it's a soft credit pull that doesn't affect your score.
What do I need?
Just 3 months of business bank statements, an EIN, and a business bank account.
Will checking my options affect my credit score?
No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.
What can I use the funds for?
Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.
Are there any upfront or application fees?
No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Get funded fast

Apply in 5 minutes with a soft credit pull. Get a decision in hours and funded fast.

Get Funded →

Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

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