✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Revenue-Based Funding · 2026

Revenue-Based Financing for Contractors

Repayment that flexes with your cash flow — pay more in strong weeks, less in slow ones. Built for the ups and downs of contracting.

$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

Short answer: Revenue-based financing gives contractors capital repaid as a share of deposits rather than a fixed amount — so slow weeks mean smaller payments and busy weeks pay it down faster. It's ideal for seasonal or project-based cash flow, accepts FICO 500+, runs $25,000 to $5,000,000, and funds in as little as 24 hours.

Revenue-based vs fixed repayment

How revenue-based financing compares to fixed-payment options for contractors.

FeatureRevenue-BasedFixed Term Loan
Payment sizeFlexes with depositsSame every period
Slow seasonSmaller paymentsSame payment due
Best forSeasonal / uneven workSteady, predictable revenue
Credit neededFICO 500+Typically higher
Speed24 hours1–3 days

Why contractors pick revenue-based

  • Payments shrink automatically in slow weeks
  • No fixed monthly amount to scramble for
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Ideal for seasonal and project-based work
  • Often lower effective cost than a straight MCA

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

What is revenue-based financing?
It's funding you repay as a percentage of your deposits, so the payment rises and falls with your revenue instead of staying fixed.
How is it different from a merchant cash advance?
They're related, but revenue-based structures often carry a lower effective cost and tie repayment to actual revenue, making them a smarter default for many contractors than a straight MCA.
Is it good for seasonal contractors?
Yes — because payments shrink in slow periods, it fits seasonal and weather-dependent trades particularly well.
What credit score do I need?
FICO 500+ can qualify; approval is weighted toward revenue and deposit consistency.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and soft credit pull.

Get funding that flexes with you

Apply in 5 minutes with a soft credit pull. Pay more when you're busy, less when you're not.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Revenue-based financing is a commercial product, not a loan in all states. 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.

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Built for contractors

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

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Funded in 24 hours

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

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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