Keep working capital in the business while your machines are on the job — cover payroll, fuel, and materials, funded in as little as 24 hours.
Get Funded →$25K to $5M for contractors and trades — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Short online application with a soft credit pull that does not affect your score.
Approval is based on your last 3 months of bank statements — not tax returns or the contract.
See your amount and terms up front, with any fees disclosed before you accept.
Sign and receive funds by ACH, often within 24 hours of approval.
The main ways contractors access working capital, and when each fits.
| Option | How it works | Best for |
|---|---|---|
| Working capital / term loan | Lump sum, fixed payments | A planned, one-time need |
| Business line of credit | Revolving, draw as needed | Recurring gaps between draws |
| Revenue-based funding | Repay as a share of deposits | Seasonal or uneven cash flow |
| Merchant cash advance | Advance repaid from deposits | Fast cash, weaker credit |
| Equipment financing | Secured by the equipment | Trucks and machinery |
Estimate your funding amount and payment. Move the slider to your average monthly revenue.
Estimates only, for illustration. Real amounts and terms are set at underwriting.
Working capital through Contractor Capital Funding runs from $5,000 to $5,000,000, priced on your revenue, time in business, and deposit health. It is underwritten on your deposits — not the contract — so it funds fast.
Most approvals fund within 24 hours. The application takes about 5 minutes with a soft credit pull.
Use the calculator above to estimate your amount and payment.
Cover fuel, haul, and payroll between site pay apps.
Fund hot-mix and crews before the paving contract pays.
Carry rigging crews and material across the milestone gap.
Fund bore, pipe, and payroll before the utility draw.
Apply in 5 minutes with a soft credit pull. Keep your crews and materials moving.
Get Funded →Figures, ranges, and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual amount and terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.
Approved on your revenue, not just your credit. Start your 1-minute application.
Funding that fits construction cash flow — retainage, progress draws, equipment, and payroll gaps.
General contractors, subs, and every trade. We fund the way construction actually gets paid.
Cover materials, mobilization, or payroll between draws — decision in as little as 4 hours.
500+ FICO accepted. Underwritten on your deposits and receivables, not just your score.
Approved on your deposits, not just your score. Funded in as little as 24 hours.
$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
