✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
How Approval Works · 2026

How MCA Approval Works for Contractors

A plain look at what gets a contractor advance approved — and how to get a better offer.

$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: A contractor advance is approved by reviewing your last 3 months of bank statements — monthly deposits, ending balances, negative days, and existing advances. Strong, consistent deposits and few negative days drive a bigger, cheaper offer. Contractor Capital Advance approves in hours, FICO 500+, funds in 24 hours.

Reviewed by the Contractor Capital Advance Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

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

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

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

What underwriters review

What drives your approval and offer.

FactorWhat they checkHow to improve
Monthly depositsVolume & consistencyKeep steady deposits
Negative daysOverdrafts/NSFsMinimize negatives
Existing advancesRoom to addConsolidate first
Ending balancesHealthy cushionKeep a buffer

How we help

  • Approval on bank statements, not tax returns
  • Decisions in hours
  • FICO 500+ accepted; approval on revenue
  • We help you get the strongest offer
  • Soft credit pull — no score impact
  • Funded in as little as 24 hours

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 do I need to get approved for an advance?
Three months of business bank statements showing consistent deposits, an EIN, and a business bank account. Strong deposits and few negative days improve the offer.
How fast can I get funded?
Most contractors fund within 24 hours of approval; the application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

See what you're approved for

Apply in 5 minutes with a soft credit pull.

Apply Now →

Figures and factor-rate examples shown are illustrative 2026 ranges and vary by underwriting; actual terms are set at application. A merchant cash advance is a commercial financing 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.

Apply Now →

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