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Same-Day · 2026

Same-Day Contractor Funding

Need capital today for materials, payroll, or equipment? Apply in minutes and get funded in hours.

Short answer: Same-day contractor funding means applying and receiving capital the same business day — realistic for amounts under ~$100K with strong deposits. Funded Contractor Capital approves in as little as 2-4 hours and funds the same day for qualifying contractors, FICO 500+, soft credit pull.

How same-day works

From application to cash.

StepWhat happensTiming
Apply5-minute application, soft pullMinutes
DecisionReviewed on deposits2–4 hours
SignAccept termsSame day
FundedACH to your accountSame day

Why contractors choose us

  • Approval in as little as 2–4 hours
  • 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 I really get funded the same day?
Yes for many contractors — smaller amounts with strong deposits can fund same-day. Apply early for the best chance.
Does it hurt my credit?
No — a soft pull that doesn't affect your score.
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 today

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.