Materials, payroll, and equipment for your next commercial job. Fast decisions for established contractors doing $60K+ a month.
Get my estimateCommercial contractors
Working capital and equipment financing for commercial crews, through our partner, Merchant Fund Express, sized to your recent deposits.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Funding can land in as little as 24 hours for qualified contractors. About three months of statements, no tax returns, about five minutes to apply.
FICO 500+ is considered with a soft pull to start. Your deposit history from commercial work carries weight.
Your offer shows the complete repayment amount before you accept. Nothing surprising after you sign.
The repayment schedule is in your offer up front, so you can line it up with progress billing.
Commercial contracting is built on delayed payment. Progress billing, net-60 terms, and retainage held until closeout mean you often fund two or three jobs out of pocket at once. Add a general contractor who pays slowly, and a profitable firm can still run tight on cash in the middle of a strong year.
This page is written for commercial, industrial, and municipal contractors: tenant improvements, electrical and mechanical subs, site work, roofing on commercial buildings, and similar trades.
People search for same day contractor funding because jobs start on short notice. Here is what we can say honestly: decisions move fast, and qualified businesses can be funded in as little as 24 hours. Anything faster depends on your file and your bank, so plan with that window in mind.
For a deeper look at sizing for large jobs, see funding for big contracts.
For illustration only: an electrical subcontractor billing about $210,000 a month wins a warehouse job. Material lead times require a $90,000 order up front, and the GC pays progress invoices at 45 days. The owner models the peak cash need at about $130,000, then requests close to that figure instead of a much larger amount. Right-sizing the request keeps payments tied to what the project actually generates.
The application takes about 5 minutes. You will provide about three months of business bank statements, and no tax returns are required. FICO scores from 500 are considered, the process begins with a soft credit pull, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000 through our partner Merchant Fund Express.
Credit work and funding are separate services. You can apply now based on revenue while building your business credit on its own path.
Contractors who arrange capital before they need it bid with more confidence. Start your application and know your options before the next award letter arrives.
This page focuses on commercial contractors. Residential remodeling has its own cash-flow patterns, and we cannot promise funding for that work.
Yes, covering overhead while retainage is held is a common use for working capital.
Yes. Equipment financing is tied to a specific asset, while working capital is a general-purpose lump sum.
Decisions move quickly, and qualified contractors can be funded in as little as 24 hours. Timing beyond that depends on the file and bank.
Reviewers look at overall deposit patterns across about three months. Uneven timing is normal in contracting and is read in context.
Example uses for illustration only.
A cleaner file helps when the next commercial bid comes through.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding