Working Capital
Cash for payroll, materials and mobilization while you wait on the draw.
Funding amounts$25K – $5M
- Decision
- 4–24 hours
- Repayment
- Sized to your bank deposits
- Best for
- Payroll, materials & job mobilization
Fueling America’s Builders
CapitalBuildsTomorrow
Fast, flexible funding for contractors. Get the capital you need to take on bigger projects, buy equipment, and grow your business — without the red tape.
- Fast ApprovalsAs quick as 24 hours
- Flexible TermsBuilt for your business
- $25K – $5MFunding amounts
- All Contractor TypesResidential & Commercial
Trusted by contractors nationwide
- General
Contractors - Roofing
- HVAC
- Plumbing
- Electrical
- Concrete
- •••And More
Funding SolutionsFind the right funding
Find the right funding
for the job.
Compare contractor funding options side by side. Every option is approved on your revenue and bank deposits — not just your credit score.
Equipment Financing
Buy the machines that win bigger jobs — new, used, dealer, private-party or auction.
Funding amounts$25K – $5M
- Decision
- 4–24 hours
- Covers
- CAT, Deere, Bobcat, Case, Komatsu & more
- Best for
- Excavators, skid steers, dozers & fleets
Line of Credit
Revolving capital you draw against whenever job costs land before the draw.
Funding amounts$25K – $5M
- Decision
- 4–24 hours
- Repayment
- Draw, repay and reuse as jobs bill
- Best for
- Uneven draw schedules & slow pay
Merchant Cash Advance
A lump sum repaid from a fixed share of future revenue — built for speed.
Funding amounts$25K – $5M
- Decision
- 4–24 hours, often funded same or next business day
- Pricing
- Factor rate — total payback shown before you accept
- Best for
- Urgent repairs & fast-moving jobs
More ways to fund your business
Revenue-Based Funding
$25K–$5M · Payments flex with your deposits
Invoice Factoring
$25K–$5M · Cash now on approved invoices
Bridge Loans
$25K–$5M · Between finishing and getting paid
Truck & Fleet
$15K–$500K · Typical terms 36–72 months
What you need to apply
- 500+ FICO
- 6+ months in business
- $10K+ monthly revenue
- Last 3–4 months of bank statements
Industries We ServeBuilt for every corner
Built for every corner
of construction.
Residential or commercial, general contractor or specialty trade — we fund the work you do.
General Contractors
Cover payroll, subs and materials between draws.
Learn moreResidential Builders
Start the next build before the last one closes.
Learn moreCommercial Construction
Bigger jobs and longer pay cycles, steady cash flow.
Learn moreSpecialty Trades
Electrical, plumbing, HVAC, roofing, concrete and more.
Learn moreEquipment & Fleet
Trucks, trailers and machines that keep crews rolling.
Learn moreHow It WorksGet funded in
Get funded in
3 simple steps.
Less paperwork. More progress. No business plan or tax returns for most amounts.
01
Apply
Complete one short online application and share your last 3–4 months of business bank statements.
02
Get Approved
Get a funding decision fast — approvals as quick as 24 hours, based on your revenue, not just your credit.
03
Get Funded
Funds hit your account so you can buy materials, make payroll and keep your projects moving.
About CCFA partner in
A partner in
your progress.
Contractor Capital Funding helps licensed contractors and builders get the capital they need to bid bigger, buy equipment and grow — without the red tape.
Flexible Terms
Solutions built around how your business gets paid.
No Collateral in Most Cases
Keep your assets working for you on the job.
Repeat Funding
Come back for more as your business grows.
Contractor Focused
A team that understands draws, retainage and seasons.
How much funding can a contractor get?
Contractors can access $25,000 to $5,000,000 depending on monthly revenue, time in business, and the funding product. Working capital typically starts at $25K; equipment financing and lines of credit can reach $5M.
How fast can a contractor get funded?
A funding decision comes as fast as 4 hours, with money wired in 24 to 48 hours after approval. Same-day funding is available for qualified applicants.
What credit score do contractors need for funding?
A personal FICO of 500+ is accepted. Revenue strength and consistent bank deposits matter more than the score itself; lower scores are reviewed case-by-case.
Can a contractor get funding with bad credit?
Yes. Contractors with a 500+ FICO and steady revenue can qualify. Approvals are based on business cash flow and deposit history, not credit score alone.
What are the requirements to qualify?
500+ FICO, 6+ months in business, $10,000+ per month in revenue, a business bank account, and an actively operating contracting business. No business plan or tax returns required for most amounts.
Do contractors need collateral or tax returns?
For working capital, no collateral is required and most amounts under $500K need only 3 months of business bank statements â no tax returns or business plan.
What can contractor funding be used for?
Payroll, materials, equipment purchases, job mobilization, bonding, subcontractor payments, retainage and net-90 receivable gaps, expansion, and covering the cash-flow gap between winning a job and getting paid.
Ready to build
what’s next?
Apply online in minutes and get a decision as quick as 24 hours. Funding from $25K to $5M.