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Working capital · $25K–$5M · FICO 500+

Contractor Working Capital in Toledo, OH

Toledo: get $25,000 to $5,000,000 in as little as 24 hours — approved on your revenue, FICO 500+, no existing advance needed.

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Toledo contractors buying, replacing or refinancing equipment can access $25,000 to $5,000,000 in contractor working capital — approved on revenue and deposits rather than credit alone (FICO 500+), with a decision in 2 to 4 hours and same-day funding. Contractor Working Capital gives you flexible operating cash for day-to-day operations. You don't need an existing loan or advance to qualify — this is straight first-position capital for Toledo contractors.

Get funded in Toledo — see your amount

Two-to-four-hour decisions. Same-day funding. No obligation. Apply Online →

Why Toledo contractors choose us

  • Revenue outweighs the score. A 500+ FICO in Toledo is fundable when the machines are earning.
  • No existing note required. First-position funding, whether the iron is new or already on your books.
  • $25K to $5M. A single skid steer through a full Toledo fleet refresh, from one source.
  • Auction-speed decisions. Most Toledo approvals come in 2 to 4 hours and fund the same day — the difference between winning the machine and watching it go.

What Toledo contractors finance with contractor working capital

Equipment decides what a Toledo contractor can bid on. Owners here put the capital into:

  • Crew payroll
  • Materials and supplies
  • Fuel and overhead
  • Mobilization on new jobs
  • Covering net-30/60/90 gaps

How it works in Toledo

Apply online in minutes, connect 3 months of business bank statements, and get a decision in 2 to 4 hours. Once approved, Toledo contractors are funded the same day. Requirements: FICO 500+, 6+ months in business, and $10,000+ in monthly revenue.

Common questions

How fast can a Toledo business get funded? Most approvals come in 2 to 4 hours, with same-day funding once you're approved.

Do I need an existing loan or advance? No. This is first position, and a Toledo contractor with unencumbered equipment gets the strongest terms.

What credit score do I need? 500+ FICO is accepted. Underwriting looks at what the equipment earns, not the score alone.

Get contractor working capital in Toledo today

Fast, first-position funding for Toledo contractors — approved on revenue, funded the same day. Apply Now ⚡

Contractor Working Capital across Ohio

We fund contractors in Toledo and Ohio. Explore nearby cities and other funding options below.