Buy the machine, truck, or trailer this week. Approval built on your deposits and revenue, not a credit-only checklist.
Apply Now →Contractor Capital Advance finances equipment, machinery, and fleet for licensed contractors and specialty trades from $25,000 to $5,000,000, with approvals that lean on your business bank deposits and revenue rather than a credit score alone. You apply, we read the last few months of deposits, and a decision typically comes back in 4 to 24 hours. Approved files are often funded the same or next business day, so you can put a skid steer, service truck, or CNC machine to work while the job is still on the calendar instead of waiting on a bank underwriting queue.
Most banks approve equipment purchases on credit tiers, tax returns, and the collateral value of the asset. That process is slow and it punishes contractors who run a real, seasonal, deposit-heavy business. We work the other direction. Our underwriting starts with your business bank statements: the size and consistency of your deposits, how revenue moves through the account, and whether the cash flow supports the payment.
Because approval is anchored to deposits and revenue, all credit is considered. A tax lien, a past bankruptcy, or a sub-600 score does not automatically end the conversation the way it would at a traditional lender. If the deposits are there, we can usually structure the funding. This is a business cash advance used to acquire equipment, not a lien-based equipment lease, so there is no lengthy appraisal on the machine itself holding things up.
The path from application to working capital is short and deposit-driven:
You purchase the asset yourself, which means you own it outright from day one and keep the leverage of a cash buyer at the dealership.
This is built for the equipment that actually earns for a contractor:
New or used, dealer or private-party, single unit or a multi-truck fleet expansion — because the funding lands in your account as capital, you decide where and how to buy.
Funding runs from $25,000 to $5,000,000. The amount you qualify for is driven primarily by monthly deposit volume, so a shop clearing steady six-figure months has room for a larger fleet purchase than one just crossing the minimum. Terms are structured to match how equipment revenue comes in, with fixed, predictable payments on a daily, weekly, or set schedule rather than a variable rate that moves on you.
Cost is quoted as a clear total up front before you accept anything. There is no guarantee of approval and no fixed rate we can promise sight-unseen — the number depends on your deposits, time in business, and existing obligations. What we do commit to is a straight answer, fast, with the full cost stated plainly so you can weigh it against what the equipment will earn.
The figures below are illustrative of how deposit-based files tend to size up. They are examples, not quotes or offers.
| Trade | Equipment | Avg. monthly deposits | Amount funded | Time to decision |
|---|---|---|---|---|
| Excavation / site work | Used excavator + trailer | $90,000 | $85,000 | ~6 hours |
| HVAC | Two service trucks, outfitted | $140,000 | $120,000 | ~12 hours |
| Concrete / paving | Skid steer + attachments | $60,000 | $45,000 | ~4 hours |
| Metal fabrication | CNC plasma table + welders | $210,000 | $180,000 | ~20 hours |
| General contractor | Fleet expansion, 4 work trucks | $400,000 | $350,000 | ~24 hours |
Notice the pattern: approval size tracks deposits, and decisions land inside a single business day.
This financing is for licensed contractors and specialty trades running an active business with real revenue moving through a business bank account. The core requirements are straightforward: a licensed operating business, several months of bank statements showing consistent deposits, and cash flow that supports the payment. Time in business and deposit consistency matter more than a perfect credit profile.
All credit is considered. If your score kept you out at the bank but your deposits are steady, this is exactly the situation deposit-based underwriting is built for. Newer shops with strong revenue and established contractors carrying prior credit damage both fit here — the deposits do the talking.
No. Approval leans on your business bank deposits and revenue, and all credit is considered. A low score, past bankruptcy, or a lien does not automatically disqualify you if your deposits show the cash flow to support the payment.
Decisions typically come back in 4 to 24 hours after we have your bank statements. Approved files are commonly funded the same or next business day, with funds sent to your business account so you can buy the equipment directly.
Funding runs from $25,000 to $5,000,000. The amount is driven mainly by your monthly deposit volume, so stronger and steadier deposits support a larger equipment or fleet purchase.
You own it. This is business capital funded to your account, and you purchase the asset yourself from any dealer or private seller. You own it outright from day one and buy as a cash buyer.
Yes. Because the funding lands in your account as capital rather than a lien on a specific machine, you can buy new or used, from a dealer or a private party, and structure the purchase however works best for you.
Basic business details plus your last three to six months of business bank statements. You do not need to assemble tax returns or a full financial package first — the deposits are the starting point for underwriting.
CONTRACTORCAPITAL ADVANCEFast, flexible business funding for contractors and construction companies. We connect you with 75+ lenders to find the best terms for your business.
$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