Contractor Working Capital · 2026

Contractor Working Capital Loans: Fast Funding from $5K to $5M

Working capital for contractors, approved on your revenue — cover payroll and materials between draws, funded in as little as 24 hours.

Get Funded →

24hrFunding speed

500+Min FICO

$5MMax amount

5 minTo apply

What is working capital for contractors?

Working capital is short-term cash a contractor uses to cover payroll and materials while waiting on progress draws. Contractor Capital Advance approves on your deposits (FICO 500+), not the contract, and funds $5,000 to $5,000,000 in as little as 24 hours, so a slow draw never stalls your crews.

How to get working capital in 4 steps

Apply in 5 minutes

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

We review your revenue

Approval is based on your last 3 months of bank statements — not tax returns or the contract.

Get your offer

See your amount and terms up front, with any fees disclosed before you accept.

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

Types of working capital for contractors

The main ways contractors access working capital, and when each fits.

Option	How it works	Best for
Working capital / term loan	Lump sum, fixed payments	A planned, one-time need
Business line of credit	Revolving, draw as needed	Recurring gaps between draws
Revenue-based funding	Repay as a share of deposits	Seasonal or uneven cash flow
Merchant cash advance	Advance repaid from deposits	Fast cash, weaker credit
Equipment financing	Secured by the equipment	Trucks and machinery

Working Capital Calculator

Estimate your funding amount and payment. Move the slider to your average monthly revenue.

Average monthly revenue $50,000

$50,000Estimated funding

12 moTypical term

$4,896Est. monthly payment

Estimates only, for illustration. Real amounts and terms 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 500+ (approval weighted on revenue)

Rates, amounts & speed

Working capital through Contractor Capital Advance runs from $5,000 to $5,000,000, priced on your revenue, time in business, and deposit health. It is underwritten on your deposits — not the contract — so it funds fast.

Most approvals fund within 24 hours. The application takes about 5 minutes with a soft credit pull.

Use the calculator above to estimate your amount and payment.

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 contractors use working capital

Covering payroll between draws — Pay crews and subs on time when a progress draw is slow.
Buying materials up front — Stock materials for a job before it pays you.
Mobilizing on a new contract — Fund the start of a job before the first draw.
Bridging retainage — Cover the 5-10% held back until closeout.
Handling an equipment breakdown — Move fast on an urgent repair or replacement.

Frequently asked questions

How is a working capital loan different from an advance?

A loan has fixed payments; an advance repays from a slice of deposits. We offer both and show you the best fit.

Do I need collateral?

No — working capital is unsecured and based on your revenue.

How fast can a contractor get working capital?

Most contractors fund within 24 hours of approval; smaller amounts can be same-day.

Can I qualify with bad credit?

Yes — FICO 500+ can qualify because approval is weighted toward revenue and deposits, not credit score.

Do I need the contract to qualify?

No — approval is based on your bank deposits, not the awarded contract, which keeps it fast.

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

Figures, ranges, and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual amount and terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.