✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Bridge Financing · 2026

Contractor Bridge Financing — Short-Term Capital Between Payments

Span the gap between doing the work and getting paid — short-term capital repaid when the invoice, draw, or check finally lands.

$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

Short answer: Contractor bridge financing is short-term capital that spans the gap between completing work and getting paid — keeping payroll, materials, and the next job moving in the meantime. Contractor Capital Advance bridges from $25,000 to $5,000,000, on FICO 500+, underwritten on deposits rather than the contract, funded in as little as 24 hours.

When contractors bridge payments

Timing gaps a bridge spans for licensed contractors. All available through Contractor Capital Advance.

GapWhat the bridge coversSpeed
Work done, not yet paidPayroll and overhead until payment24 hours
Slow-paying GC or ownerCosts while payment is released24 hours
Next job before last paysMaterials and mobilization24 hours
Invoice in 30-60-90 termsCash now against the receivable1-2 days
Multiple jobs at onceCross-job capital between payments1-3 days

Why contractors choose us

  • Underwritten on deposits, not the contract
  • Short-term structure tied to your payment cycle
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay when the payment lands

What you need to apply

  • US-based licensed contractor or construction 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

What is contractor bridge financing?
Short-term capital that spans the gap between finishing work and getting paid, so you can keep crews and the next job moving before the payment lands.
How is it different from invoice factoring?
Factoring advances against a specific invoice; a bridge is broader short-term capital tied to your overall payment cycle. Both are available.
Do I need the contract to qualify?
No — approval is based on your deposits and revenue, not the contract, which keeps it fast.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and soft credit pull.
How much can I bridge?
From $25,000 up to $5,000,000, scaled to your revenue.

Bridge until you get paid

Apply in 5 minutes with a soft credit pull. Keep working while the payment catches up.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Bridge financing is subject to approval and is not a contract- or bond-backed product. Product and company names referenced are the property of their respective owners.

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