Apply Now →Apply Now →Charlotte contractors move fast — and so should your capital. Contractor Capital Funding delivers $25,000 to $5,000,000 to Charlotte-area construction and trade businesses, approved on revenue with FICO 500+ and funded in as little as 24 hours.
Get Funded in CharlotteCharlotte, NC is riding fast-growing banking-district and residential building. That growth means bigger jobs, longer payment cycles, and more pressure on cash flow. Contractor Capital Funding bridges that gap with fast contractor funding designed for Charlotte-area general contractors, electricians, plumbers, HVAC contractors, roofers, concrete and masonry crews, framers, excavation and site-work firms, and specialty trade subcontractors.
Unlike a bank, we approve on your business's revenue and deposit history — not just your credit score — so Charlotte contractors with a 500+ FICO and steady monthly revenue can qualify, even after a bank turns them down.
Cover payroll, materials, and mobilization on Charlotte jobs before your first draw lands.
Finance the iron your Charlotte crews run — excavators, trucks, tools, and machinery.
Draw as you need across multiple Charlotte-area projects and repay as checks clear.
Turn net-30/60/90 receivables and retainage into cash you can use now.
$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
A funding decision in as little as 4 hours — no month-long bank review.
Approved on cash flow, so a rough credit patch won't stop a strong Charlotte operator.
We fund contractors across Charlotte and all of North Carolina — and all 50 states.
Free online application, soft credit pull, no obligation.
Apply in minutes. Soft credit pull. Funded in as little as 24 hours.
Apply Now →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