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Tenant Improvement · 2026

Tenant Improvement Cash Advance

Capital for tenant improvement contractors — payroll, materials, and equipment, funded in as little as 24 hours.

Short answer: Contractors working on tenant improvement use cash advance to cover payroll, materials, and equipment while progress draws catch up. Contractor Capital Advance funds $25,000 to $5,000,000, FICO 500+, in as little as 24 hours — underwritten on deposits, not the contract.

Reviewed by the Contractor Capital Advance 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 tenant improvement contractors fund

Common uses of capital through Contractor Capital Advance.

Use of fundsTypical amountSpeed
Payroll & crews$25K – $500K24 hours
Materials$25K – $1M24 hours
Equipment & mobilization$25K – $2M1–3 days
Bridge the draw gap$50K – $5M1–2 days

Why contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as your projects pay you
  • No tax returns — 3 months of bank statements
  • Built for how contractors get paid

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

Can tenant improvement contractors get funded fast?
Yes — approval is based on deposits, so funding lands in as little as 24 hours regardless of project size.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and 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.

Fund your tenant improvement project

Apply in 5 minutes with a soft credit pull. Keep your crews and materials moving.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.