Contractor Capital Advance Apply Now →
$5 Million · 2026

How to Get $5 Million in Cash Advance

How contractors qualify for $5 Million in cash advance — approved on revenue, FICO 500+, funded in as little as 24 hours.

Short answer: To get $5 Million in cash advance, a contractor generally needs monthly revenue that supports the amount, 6+ months in business, and FICO 500+. Contractor Capital Advance approves on deposits — not the contract — and funds $5 Million-range amounts in as little as 24 hours.

Reviewed by the Contractor Capital Advance team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

What you can do with $5 Million

Common uses of capital through Contractor Capital Advance.

Use of fundsTypical amountSpeed
Payroll & crews$25K – $500K24 hours
Materials$25K – $1M24 hours
Equipment & mobilization$25K – $2M1–3 days
Bridge the draw gap$50K – $5M1–2 days

Why contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as your projects pay you
  • No tax returns — 3 months of bank statements
  • Built for how contractors get paid

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

How much revenue do I need for $5 Million?
Amounts scale with revenue; $5 Million typically fits contractors with proportional monthly deposits. Apply to see your exact offer.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Get $5 Million in funding

Apply in 5 minutes with a soft credit pull. Keep your crews and materials moving.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.