Approval built on your deposits and revenue, not a credit score gate. Repayment that moves with the cash your jobs actually bring in.
Apply Now →Revenue-based financing gives your contracting business $25,000 to $5,000,000 in working capital where approval leans on your business bank deposits and revenue instead of your credit score alone, and repayment flexes with the receipts your jobs generate. It is built for equipment-heavy operators whose income arrives in draws, retainage releases, and seasonal swings rather than steady monthly checks. At Contractor Capital Funding we read your last few months of deposits, size an amount your revenue can carry, and put the cash to work on a machine, a fleet repair, payroll, or a materials order. All credit is considered, decisions come back in roughly 4 to 24 hours, and approved contractors are often funded the same or next business day.
Instead of scoring you the way a bank scores a homebuyer, we underwrite the money that already moves through your business. You submit a short application and a few months of business bank statements. We look at the volume, consistency, and trend of your deposits, then advance a lump sum against the revenue those deposits represent. Repayment is set as a fixed small share of your ongoing receipts, so when a big Komatsu excavator job pays out you clear faster, and when winter slows the grading work your outflow eases with it.
For contractors running CAT, Deere, Bobcat, Case, or Volvo iron, this matters because your cash does not arrive in tidy monthly slices. It arrives when a draw clears, when retainage finally releases, or when a paving season peaks. Financing that tracks revenue fits that reality far better than a rigid term note that demands the same payment in February that it demands in July.
A credit score is a backward-looking snapshot. Your bank deposits are a live feed of whether the business is actually earning. A contractor with a 620 score and $180,000 in monthly deposits from active dirt work is a stronger risk than a 720 score sitting on an idle account, and revenue-based underwriting is built to see that.
We consider all credit. A past bankruptcy, a tax lien being paid down, a thin personal file, or a rough patch after a slow season does not end the conversation. What we weigh most is: how much revenue moves through the business, how steady it is, how many months you have been operating, and whether existing obligations leave room for this one. Contractors who have been turned away by a bank for their score routinely qualify here because we are reading the deposits the bank never bothered to look at.
Because the funds arrive as unrestricted working capital, you decide where they go. Common uses across our equipment-and-machinery borrowers include:
Contractors frequently stack this against retainage they know is coming: the revenue-based structure bridges the wait without tying up the machine as collateral.
The table below shows how an amount might be sized and repaid for three realistic contractor profiles. These are illustrative examples, not offers, and your actual terms depend on your deposits, time in business, and existing obligations.
| Contractor profile | Avg. monthly deposits | Capital advanced | What it funded | Repayment style |
|---|---|---|---|---|
| Site grading & excavation, 3 yrs, fair credit | $140,000 | $75,000 | Used Case dozer at auction | ~8% of daily receipts until fulfilled |
| Paving contractor, 6 yrs, strong deposits | $420,000 | $300,000 | Two Bobcat units + season materials | Fixed weekly share of revenue |
| Demolition & hauling, 18 mo, past lien | $85,000 | $40,000 | Volvo hauler hydraulic rebuild | Smaller share, shorter horizon |
In each case the outflow rises and falls with the receipts, so a slow bidding week never forces a payment the business cannot cover that week.
We fund from $25,000 to $5,000,000, sized to what your revenue can realistically carry. To start, you send a short application and three to six months of business bank statements. Because underwriting is built on those deposits, we usually return a decision in about 4 to 24 hours, and approved contractors are often funded the same or next business day. There is no phone tag and no month-long committee. The heavier lift is on our side, reading the numbers, not on yours.
No amount and no timeline is ever guaranteed. What you can count on is a fast, revenue-based read on real capital instead of a slow credit-score verdict.
A conventional equipment loan usually secures the machine as collateral, weighs your credit heavily, sets a fixed monthly payment, and can take weeks to close. Revenue-based financing does the opposite on the points that matter to a busy contractor: approval leans on deposits, repayment flexes with receipts, funds are unrestricted, and money moves in hours to days rather than weeks. That does not make one right and one wrong. A long-lived asset bought at a low rate may belong on a term loan. A time-sensitive purchase, a downed machine, or a payroll gap during a draw delay is exactly where revenue-based capital earns its place. Many of our contractors use both, matching the tool to the job the same way they match the machine to the ground.
No. All credit is considered. Approval leans on your business bank deposits and revenue rather than your credit score alone, so contractors with past bankruptcies, tax liens, or thin files regularly qualify when their deposits show steady, active income.
Between $25,000 and $5,000,000, sized to what your revenue can carry. The strength and consistency of your monthly deposits, your time in business, and your existing obligations determine the amount you are offered.
Decisions typically come back in about 4 to 24 hours after we review your application and bank statements. Approved contractors are often funded the same or next business day. Nothing is guaranteed, but revenue-based underwriting is much faster than a traditional loan committee.
Repayment is set as a small fixed share of your ongoing receipts rather than a flat monthly bill. When a big job pays out you clear faster; when a slow season hits, the outflow eases with your revenue, so you are never stuck with a payment the week's cash cannot cover.
A short application and three to six months of your business bank statements. Because we underwrite the deposits, those statements do most of the work. You do not need a full financial package, appraisals, or the paperwork a bank equipment loan demands.
Yes. The capital arrives as unrestricted working capital. Contractors use it to buy or rebuild machines, cover payroll and fuel during draw delays, buy materials for signed contracts, or bridge retainage they know is coming. You decide where it goes.
Fast, flexible business funding for licensed contractors, builders and specialty trades nationwide.