Built exclusively for the trades. Whether you're a GC pulling permits or an electrical contractor scaling your crew, we fund your business the way the industry works — fast, flexible, and without the bank runaround.
From fast working capital to long-term equipment financing — structured around how contractors actually operate, not how banks think they should.
Bridge the gap between when you do the work and when you get paid. Fast funding against your revenue stream — no collateral, no lengthy paperwork.
Finance new or used equipment — excavators, boom lifts, fleet vehicles, tools — with terms structured around your job cycle, not a bank's calendar year.
Got a signed contract but need capital to mobilize? We fund against awarded contracts and purchase orders so you can start work without waiting for draws.
A revolving credit line you can draw on any time — perfect for managing payroll, materials, and surprise costs across multiple active job sites.
We specialize exclusively in construction and the skilled trades. Our underwriting team understands your business model — seasonal cash flow, contract cycles, and all.
We've stripped out the bank complexity. From application to funded account — built for contractors who have jobs to run, not paperwork to file.
Complete our secure 10-minute application. Tell us about your business, your trade, and how much capital you need. No hard credit pull at this stage.
~10 MinutesOur team reviews your application and sends a funding decision within 4 business hours. If approved, you'll receive a clear offer with all terms upfront — no surprises.
4 Hour DecisionReview and sign your agreement electronically. Funds are wired directly to your business bank account — often the same day, always within 24 hours of signing.
Funded in 24 HoursMost licensed contractors qualify. Here's what we look for — if you check these boxes, you're in good shape to apply today.
Join 800+ licensed contractors who've used Contractor Capital Advance to win more jobs, hire more crew, and scale their business.
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Real contractors. Real funding. Real results.
I had a $280K commercial job lined up but couldn't afford to float materials for 60 days. CCA got me $120K in under 24 hours. The whole team knew exactly how a contractor's cash cycle works — no explaining, no headaches.
My bank said no because I had "seasonal inconsistency." Contractor Capital Advance looked at my contracts and said yes — same week. That $85K allowed me to take on two new commercial HVAC installs. My revenue tripled in 8 months.
I've used CCA three times now. Working capital to cover payroll during slow permitting periods, equipment financing for a new skid steer, and a line of credit for materials. They're my go-to. Rates are fair and the service is genuinely contractor-first.
Straight answers about how contractor capital advances work.
We work with contractors with FICO scores of 500 and above. While credit is one factor in our review, we place significant weight on your business revenue, time in business, and contract pipeline. Contractors with lower personal credit but strong business cash flow regularly get approved.
Most contractors receive a decision within 4 business hours of submitting a complete application. Once you sign your agreement, funds are wired to your business bank account — typically the same business day, always within 24 hours. We don't believe in artificial delays.
For working capital advances and lines of credit, no hard collateral is required. These products are based on your business revenue. Equipment financing uses the equipment itself as collateral. Contract mobilization advances are secured by the underlying contract. We always explain the terms clearly before you sign anything.
The initial application uses a soft pull only — it does not affect your credit score. A hard pull may be required for final approval on certain products, and we'll always notify you before running one. You'll know exactly what's happening at every step.
To get started you'll need: 3 months of business bank statements, a copy of your contractor's license, your EIN, and basic business information. For larger amounts or equipment financing, we may request additional documentation such as contracts, invoices, or tax returns. Our team will guide you through exactly what's needed.
We require a minimum of 6 months in business with verifiable operating history. If you're between 6–12 months in business, you can still qualify — we'll look more closely at your revenue trajectory, contracts on hand, and your industry experience. Many newer contractors with strong fundamentals get approved in this range.
Get the capital you need to mobilize, scale, and win — in hours, not weeks. Contractor Capital Advance is built for professionals like you.