Contractor Capital AdvanceApply Now →
✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Contractor Funding Data · 2026

Contractor Funding Statistics (2026)

The numbers behind why contractors turn to fast, revenue-based capital — payment delays, bank-approval rates, and cash-flow data, each with a source.

Last updated: July 16, 2026 · Figures cited from 2025–2026 industry data

Construction payment & cash-flow data

60–90 days on average, reaching 90–120 days on many commercial jobs
Construction has the highest Days Sales Outstanding (DSO) of any major U.S. industry.
Source: 2025 industry DSO benchmarks
82% (up from 49% two years earlier)
Share of contractors waiting more than 30 days to get paid.
Source: 2026 construction payment statistics
just 12%
Construction businesses that report always being paid on time.
Source: 2026 construction payment statistics
only 5%
Subcontractors paid on time.
Source: 2026 construction payment statistics
5–10% of contract value, often released 30–90+ days after substantial completion
Retainage legally withheld until project completion.
Source: standard AIA contract terms
about 32% (~19 fewer days)
Reduction in DSO from AR automation.
Source: 2025 construction AR data
$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& trades
No collateralfor working capital

See how much your contracting business qualifies for

$25K to $5M in revenue-based funding for contractors and trades — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

START MY APPLICATION →

🔒 Soft credit pull · will not affect your credit score

Small-business lending data

cash flow (31%) — overtaking inflation for the first time
Top concern of U.S. small business owners in 2026.
Source: 2026 SMB survey
just 27 days (~4 weeks of outflows)
Cash buffer held by the median small business.
Source: 2026 SMB cash-flow data
29%
Small businesses that fail citing running out of cash.
Source: 2026 small-business failure data
only 13–15% (community banks 19–22%, online lenders 26–30%)
Large-bank approval rate for small business loan applications.
Source: 2026 SMB lending statistics
low credit/short history (50%), insufficient collateral (44%), too much debt (38%), insufficient revenue (33%)
Top loan denial reasons.
Source: 2026 SMB lending statistics
$10 million (doubled in 2026)
New SBA combined 7(a)+504 borrowing limit.
Source: U.S. Small Business Administration, 2026

Funding options compared

OptionSpeedCollateralMin FICOBest for
Bank / SBA loan30–90+ daysUsually required680+Lowest rate, no urgency
Contractor Capital Advance4-hour decision, 24–48h fundingNone (working capital)500+Fast capital on revenue
Invoice factoring1–2 weeksReceivablesVariesOngoing AR
Generic MCA broker1–3 daysNone500+Speed, but broker markup

Frequently asked questions

How long do construction companies wait to get paid in 2026?
Construction posts the highest DSO of any major industry — 60 to 90 days on average, and 90 to 120 days on many commercial jobs. 82% of contractors now wait more than 30 days to be paid, up from 49% two years earlier.
Why do contractors run out of cash even on profitable jobs?
Retainage of 5–10% is legally withheld until completion, progress billing ties payment to certified milestones, and net-30/60/90 terms delay cash — so a profitable contractor can still be cash-negative. Contractor Capital Advance advances $25K–$5M against that gap, approved on deposits and contract value.
What credit score do contractors need for funding?
A 500+ FICO is accepted by revenue-based funders. Big banks approve only 13–15% of applications and cite low credit (50%) and insufficient collateral (44%) as the top denial reasons, which is why deposit-based underwriting funds contractors banks decline.

Get contractor funding

Apply in minutes. Soft credit pull. Funded in as little as 24 hours.

Apply Now →

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why contractors choose us

Built around construction cash flow — progress billing, slow-paying GCs, mobilization, and equipment.

🏗️

Built for contractors

GCs, subs, HVAC, plumbing, electrical, concrete, roofing, excavation — we understand construction cash flow.

⚡

Funded in 24 hours

Mobilize a new job, make payroll between draws, or buy materials — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your credit score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your contracting business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute