Contractor Line of Credit in Modesto, CA

Modesto contractors and trade businesses can get $25,000 to $5,000,000 in contractor line of credit — approved on your revenue and bank deposits, not just your credit (FICO 500+), with a fast approval. Contractor Line of Credit gives you revolving credit to draw as needed — pay only for what you use. You don't need an existing loan or advance to qualify — this is straight first-position capital for Modesto contractors.

Get funded in Modesto — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Modesto contractors choose us

• Underwritten on the work, not the score. A 500+ FICO in Modesto clears when the deposit history backs it up.
• Nothing open required. First-position funding, so a clean book is all it takes to start.
• $25K to $5M. One more van and a tool package, or a second crew on the road in Modesto.
• Trade-season speed. Most Modesto approvals land in 2 to 4 hours and fund the same day, which matters when the install window is now.

What Modesto trade contractors put contractor line of credit toward

Trade work in Modesto turns on material pricing, licensing and crew availability. Owners here put the capital into:

• Cover recurring material and labor costs
• Keep a buffer between draws
• Handle payroll swings
• Jump on material deals

How it works in Modesto

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Modesto contractors are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Modesto business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first-position funding, and a Modesto trade business with no open advances gets the strongest terms available.

What credit score do I need? 500+ FICO is accepted. Underwriting reads your deposits and job flow, not the score on its own.

Get contractor line of credit in Modesto today

Fast, first-position funding for Modesto contractors — approved on revenue, funded the same day. Apply Now ⚡