General contractor bad credit loans and cash advances funded on revenue, not FICO. GCs at FICO 500+ get same-day offers and funds in as little as 24 hours.
General contractors sit at the worst spot in the cash-flow chain. You pay subs, suppliers, and payroll on a weekly clock, but you collect on the owner's draw schedule — often 30, 60, even 90 days out — with retainage held until closeout. Bridging that spread on personal credit is how capable GCs end up with FICO scores in the 500s.
One owner who slow-pays a draw, one sub who walks and forces a costly replacement, or one job where the change orders outran the budget can spike your card balances overnight. The score reflects the mechanics of running a GC business, not incompetence — which is exactly why revenue-based lending was built for your position in the stack.
A GC-focused cash advance underwrites the flow of money through your account, not your credit report. Contractor Capital Advance reviews three months of business bank statements — total monthly revenue, deposit consistency across projects, average balance, and NSF frequency — to gauge whether repayment from future deposits is reliable.
A general contractor cycling $150,000/month through the account with steady deposits is a strong file at FICO 550, even mid credit-repair. Because the advance repays from your deposits, the underwriter's real question is whether draws keep landing — and a busy GC's bank activity answers that far more convincingly than a bruised FICO.
Advances for GCs scale with the volume moving through your account. A small residential GC depositing $40,000/month typically qualifies for $30,000-$70,000. A mid-size commercial GC at $180,000/month often sees $120,000-$300,000. A large builder running $500,000+/month can access $500,000 to $2M.
Your credit band mostly sets the factor rate, not the ceiling. Improving from FICO 550 to 640 usually earns a lower cost and a longer term rather than a bigger check, so bad credit rarely limits the dollars a high-volume GC can pull.
A GC cash advance at FICO 500-600 typically prices at a 1.22-1.46 factor, repaid from deposits over about 5-12 months — meaningfully pricier than a bank line. So deploy it where it earns: mobilizing on a new contract, covering a sub or supplier to keep a job on schedule, or making payroll during a draw gap you know will close.
Avoid using factor-rate capital to cover structural losses or an unprofitable book of work. If you need low, long-term money for a major project, an SBA 7(a) loan is the better fit once your credit rebounds — use the advance for speed and continuity now.
Your first advance is a proving ground. Repay it cleanly and Contractor Capital Advance renews you at a lower factor and higher limit — GCs frequently step from a 1.42 first round to around 1.22 within two or three cycles as their track record builds.
Pair that with credit rehab: pay down the personal cards you leaned on to float draws, keep NSF days at zero, and let deposit history deepen. A repaid advance plus a year of clean statements is the fastest route from bad-credit fast cash to a real GC line of credit.
When a delayed draw or a sub's invoice is squeezing you, a GC cash advance from Contractor Capital Advance can put working capital in your account in as little as 24 hours. The five-minute application uses a soft credit pull, so checking your offer never dings your score.
You'll review your amount and factor rate up front, with any fees disclosed before you accept — no obligation, no upfront fees, and no phone tag. Apply online and see what your project volume qualifies for.
Apply in 5 minutes with a soft credit pull. FICO 500+ general contractors funded on deposits, in as little as 24 hours.
Apply Now →Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Contractor Capital Advance provides business cash advances and working capital, not consumer loans. Product and company names referenced are the property of their respective owners.