Contractor Working Capital in Independence, MO

Independence HVAC, electrical, plumbing, roofing and concrete contractors can draw $25,000 to $5,000,000 in contractor working capital — underwritten on deposit history and job flow rather than credit alone (FICO 500+), with a decision in 2 to 4 hours and same-day funding. Contractor Working Capital gives you flexible operating cash for day-to-day operations. You don't need an existing loan or advance to qualify — this is straight first-position capital for Independence contractors.

Get funded in Independence — see your amount

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

Why Independence contractors choose us

• Underwritten on the work, not the score. A 500+ FICO in Independence 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 Independence.
• Trade-season speed. Most Independence approvals land in 2 to 4 hours and fund the same day, which matters when the install window is now.

What Independence trade contractors put contractor working capital toward

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

• Crew payroll
• Materials and supplies
• Fuel and overhead
• Mobilization on new jobs
• Covering net-30/60/90 gaps

How it works in Independence

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Independence 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 Independence 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 Independence 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 working capital in Independence today

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