✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Contractor Line of Credit · 2026

Contractor Business Line of Credit

Flexible revolving capital for contractors — draw between jobs and draws, and reuse it as you repay.

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$500KMax line
580+Min FICO
Same dayDraws
ReusableDraw again
$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.

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🔒 Soft credit pull · will not affect your credit score

Reviewed by the Contractor Capital Advance team · Updated July 2026

What is a business line of credit for contractors?

A business line of credit gives a contractor a revolving pool of capital to draw on as needed and reuse as you repay, paying only for what you use. It's the flexible alternative to a one-time advance for uneven, job-based cash flow. Limits run $10,000 to $500,000 through Contractor Capital Advance, FICO 580+.

How a line of credit works in 4 steps

1

Apply in 5 minutes

Short online application with a soft credit pull that does not affect your score.

2

Get approved for a limit

Your line is set on your revenue and deposit history, not the contract.

3

Draw what you need

Pull only the amount you need, when you need it — often same-day.

4

Repay and reuse

Pay only on what you drew, then draw again as you repay.

Line of credit vs a term loan

How a revolving line compares to a lump-sum loan for contractors.

FeatureLine of CreditTerm Loan
StructureRevolving, reusableLump sum, once
You pay forOnly what you drawThe full balance
Best forGaps between drawsOne planned purchase
ReusableYes — draw againNo
Typical size$10K – $500K$25K – $5M

Line of Credit Calculator

Estimate your credit line and the cost of a draw. Move the slider to your average monthly revenue.

$45,000Estimated credit line
$625Est. monthly cost on draw
$20,000Left to draw

Estimates only, for illustration. You pay only on what you draw. Real limits and rates are set at underwriting.

Qualification requirements

  • US-based contracting business
  • 6+ months in business
  • ~$25,000+ in monthly revenue
  • Last 3 months of business bank statements
  • Valid EIN and business bank account
  • FICO 580+ considered; approval on revenue

Limits, cost & speed

Lines of credit through Contractor Capital Advance run from $10,000 to $500,000, set on your revenue and deposits. You pay interest only on the amount you draw — not the full limit.

Initial approval usually takes 1-2 business days; once open, draws are typically available same-day.

Use the calculator above to estimate your line and the cost of a draw.

Contractor trades we fund

General Contractors

Carry subs and materials across the draw gap.

Specialty Trades

Fund crews and equipment between pay apps.

Remodelers

Front materials before the client draw.

Service Contractors

Cover payroll and parts between jobs.

When a line of credit makes sense

Frequently asked questions

Do I pay interest on the whole line?
No — you pay only on the amount you draw. The unused portion costs nothing until you use it.
Is a line better than an advance for contractors?
For recurring, uneven needs, usually yes — it's reusable and cheaper. An advance is faster for a one-time need.
Do I need the contract to qualify?
No — the line is based on your revenue and deposits, not the contract.
How fast can I draw?
Once your line is open, draws are typically available the same day.
Will checking my options affect my credit score?
No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.
What can I use the funds for?
Any legitimate business purpose — payroll, inventory, materials, equipment, marketing, covering a slow period, or growth. There are no restrictions on how you use the capital.
Are there any upfront or application fees?
No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept, so there are never surprises.

Sources & further reading

Open your contractor line of credit

Apply in 5 minutes with a soft credit pull. Get a revolving line you can draw on whenever a job needs it.

Get Funded →

Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual limit and rate are set at application. A line of credit is subject to approval. 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.

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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