Contractor Working Capital in Winston-Salem, NC

Winston-Salem 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 Winston-Salem contractors.

Get funded in Winston-Salem — see your amount

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

Why Winston-Salem contractors choose us

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

What Winston-Salem trade contractors put contractor working capital toward

Trade work in Winston-Salem 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 Winston-Salem

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

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