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Newer Contractors · 2026

Startup & Newer Contractor Funding

Newer contracting business? With 6+ months of revenue, you can still get funded on your deposits.

Short answer: Newer contracting businesses with 6+ months of operating history and steady deposits can qualify for funding even without long track records or perfect credit. Funded Contractor Capital approves on revenue (FICO 500+) from $25,000 up, funded in as little as 24 hours.

What newer contractors qualify for

Funding by revenue for younger businesses.

Monthly revenueTypical amountNotes
$20K – $40K$10K – $75KNewer / smaller
$40K – $100K$50K – $250KGrowing
$100K+$200K+Established
AnyEquipment financingAsset-secured

Why contractors choose us

  • 6+ months of history is enough to qualify
  • 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 a business under a year old get funded?
Yes, with 6+ months of operating history and ~$20K+ in monthly deposits.
Do I need collateral?
Not for working capital — approval is based on revenue.
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 growing business

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.