Richmond: get $25,000 to $5,000,000 in as little as 24 hours — approved on your revenue, FICO 500+, no existing advance needed.
Apply Now →Richmond 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 Richmond contractors.
Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →
Trade work in Richmond turns on material pricing, licensing and crew availability. Owners here put the capital into:
Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Richmond contractors are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.
How fast can a Richmond 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 Richmond 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.
Fast, first-position funding for Richmond contractors — approved on revenue, funded the same day. Apply Now ⚡
We fund contractors in Richmond and Virginia. Explore nearby cities and other funding options below.