Contractor Funding · Licensed Trades Nationwide

Get funded in 24–48 hours using 4 bank statements. No tax returns.

Q: Is Funding Expansion a lender?

No. Funding Expansion is a commercial funding broker that compares offers from 15+ third-party funding partners, who provide the funding.

Q: What do I need to apply?

A short application, the last 4 months of business bank statements, and a photo ID. Most partners look for 6+ months in business and $10,000+ in monthly deposits.

Q: Will applying hurt my credit?

The initial review uses a soft inquiry, which does not affect your score. Some funding partners may run additional credit checks during underwriting.

Q: What does contractor funding cost?

It depends on the product, revenue, and credit. Fast options like merchant cash advances cost more than bank loans. The total payback and terms are provided in writing before signing.

$10,000 to $2,000,000 for roofers, HVAC, electricians, plumbers, and every licensed trade. We compare 15+ funding partners, and you see the total payback in writing before anything is final.

Free to apply, no obligation
Contractor funding specialists
Approvals weigh your deposits, not credit alone
We'll say so if a bank loan fits you better

Step 1 · Takes about 2 minutes

How much capital does your business need?

$25K $50K $100K $250K $500K $1M+

See My Funding Options →

Free · No obligation · No upfront fees

Prefer to talk? Call or text 949-749-7100

15+

Funding partners compared

$10K–$2M

Funding range

24–48 hrs

Possible funding after approval

8+

Contractor trades served

$0

Cost to apply

Sound familiar?

Good work shouldn't stall because the money is late

Contractors don't usually have a profit problem. They have a timing problem.

"The job starts Monday. The insurance check doesn't."

"Payroll is Friday. The GC pays in 60 days."

"I passed on a big bid because I couldn't float the materials."

"The bank wants two years of tax returns and six weeks to decide."

The right funding closes that gap, as long as it costs less than the job makes. We show you both numbers before you commit, so you only take money that grows your business.

See What I Qualify For

Straight talk

What most brokers won't tell you up front

We'd rather lose a deal than win it with surprises. Here's what you should know before you apply anywhere.

01

Fast money costs more.

A merchant cash advance is usually the fastest option and usually the most expensive. If a bank loan fits and you can wait, we'll tell you so.

02

Know what you're signing.

Many products include a UCC filing and a personal guarantee, and payments often come out of your account daily or weekly. We walk through every line before you sign.

03

We'll say no when we should.

Under 6 months in business or under $10,000 a month in deposits? We'll tell you now instead of wasting your time or running your credit.

See My Funding Options Compare every option first →

Simple process

Get Funded in 3 Simple Steps

01

Apply in About 5 Minutes

Tell us your trade, your monthly deposits, and how much you need. Most of our funding options don't require tax returns or a bank appointment.

02

We Shop Your File

A contractor funding specialist reviews your bank statements and presents your file to our funding partners. With a complete application, many contractors hear back the same business day.

03

Review, Sign, Get Funded

You see the full amount, cost, and repayment terms in writing before you sign. Once signed, funds can reach your business checking in as little as 24–48 hours.

Funding options

The Right Capital Product for Your Trade

Funding Expansion is a funding broker. We match you with products from our network of funding partners, all subject to qualification. Compare every option.

Working Capital

When payroll is Friday and the GC pays net-60, working capital bridges the gap. Amounts from $10,000 to $2,000,000 are based on your monthly deposits and qualification.

Merchant Cash Advance

A funding partner buys a share of your future receivables for a lump sum today, collected as a percentage of your deposits. Usually the fastest option, and often the most expensive, so we walk you through the full cost before you sign.

Equipment Financing

Finance new or used trucks, lifts, compressors, and machinery so your working capital stays in operations.

Options for Challenged Credit

Many of our funding partners weigh your revenue more heavily than your score. Turned down by a bank? We may still be able to find you an option. Approval isn't guaranteed.

Invoice Factoring

Stop waiting 30, 60, or 90 days on invoices you've already earned. Factoring partners can advance a large share of eligible invoice value, often up to 90%.

Business Lines of Credit

Draw what you need when you need it and pay for what you use. A revolving line gives you room to respond to new jobs and emergencies.

Built for the trades

Funding for Licensed Contractors Nationwide

We only work with contractors, so we understand insurance slow-pay, draw schedules, and seasonal swings. Pick your trade to see how funding works for you.

Roofing

Float materials between insurance payouts and storm-season surges.

Roofing guide →

HVAC

Cover equipment and crew costs through peak season.

HVAC guide →

Electrical

Bridge progress-payment gaps on commercial and residential jobs.

Electrical guide →

Plumbing

Keep service trucks stocked and payroll steady.

Plumbing guide →

Tree Service

Fund equipment and storm-response crews.

Tree service guide →

General Contractors

Cover draw-schedule gaps and sub payments.

GC guide →

Landscaping

Ramp up for spring and carry crews through slow months.

Check options →

Flooring and Drywall

Buy materials upfront when the GC pays later.

Check options →

Another licensed trade? Apply anyway, we work with most.

Find Out What You Qualify For.

✓ Free to apply, no obligation
✓ Initial review uses a soft inquiry
✓ $10,000 – $2,000,000 available, subject to qualification

Most of our funding partners look for at least 6 months in business and $10,000+ in monthly deposits. We look at your revenue and bank history, not just your credit score, and you see the full cost in writing before you sign.

Offers, amounts, and timing vary and are not guaranteed.

Check My Funding Options Or call / text 949-749-7100

Why contractors trust us

Our Straight-Talk Promise

Six commitments you can hold us to on every file, from the first call to the day you're funded.

The full cost, in writing, first

Total payback, payment schedule, and terms before you sign anything.

Free to apply. No upfront fees.

You never pay us to find out what you qualify for.

Your information, protected

Encrypted in transit and shared only to review your funding request. Privacy Policy

A straight "no" when it's right

Not ready yet, or a bank loan fits better? We'll tell you.

No pressure to sign on the spot

Ask every question you have. You decide on your timeline.

Specialists who know contractors

Draw schedules, retention, and insurance slow-pay. No explaining your business from scratch.

What we'll never do

Charge you to apply
Hide the total payback
Stack funding your deposits can't carry
Push a product you don't need

🏢 Funding Expansion 📍 2588 El Camino Real, Suite F516, Carlsbad, CA 📞 (949) 749-7100 ✉️ support@fundingexpansion.com 🔒 256-bit SSL secured

Why Funding Expansion

Built for contractors who want a straight answer

Most contractors don't need a sales pitch. They need to know what they qualify for, what it costs, and whether it makes sense for the job in front of them. That's how we run every file: one application, 15+ funding partners compared, and the full cost in writing before anything is final. If funding isn't the right move for your business, we'll tell you.

We only work with licensed contractors
Full cost and terms in writing before you sign
No fees to apply
A real specialist, not a call center

Questions contractors ask us

Frequently asked questions

Is Funding Expansion a lender?

No. We're a commercial funding broker. We review your file and compare offers from 15+ third-party funding partners, who provide the funding.

What do I need to apply?

A short application, your last 4 months of business bank statements, and a photo ID. Most of our partners look for 6+ months in business and $10,000+ in monthly deposits.

Will applying hurt my credit?

Our initial review uses a soft inquiry, which doesn't affect your score. Some funding partners may run additional credit checks during underwriting.

How fast can I get funded?

Many complete files get a decision the same business day, and funds can arrive in as little as 24 to 48 hours after approval and signing.

What does contractor funding cost?

It depends on the product, your revenue, and your credit. Fast options like merchant cash advances cost more than bank loans. You'll see the total payback and terms in writing before you sign. See how to run the numbers on a job.

What if I don't qualify yet?

We'll tell you straight and explain what funders look for, so you know exactly what to work on. Start with our guide on how contractors qualify for funding.

Still have questions? Call or text 949-749-7100 or browse our funding guides.

Contractor funding guides

Know Your Options Before You Sign

Free, straight-talk guides on what funding costs, how to qualify, and when it makes sense for your trade.

Complete guideContractor Funding: The Complete GuideEvery option compared, what each costs, how to qualify, and the rules by state.Read guide → Funding basicsHow Working Capital WorksFactor rates, repayment, and how to check a job can afford the cost.Read guide → Getting approvedHow Contractors QualifyWhat funders review, documents you need, and a 30-day prep plan.Read guide → Trade guidesFunding for Your TradeRoofing, HVAC, electrical, plumbing, tree service, and general contractors.Find your trade →

View All Funding Guides

Not ready to apply yet?

Talk to a specialist first.

Tell us a little about your business and a contractor funding specialist will call you, usually the same business day. No SSN, no documents, no obligation.

Takes about 60 seconds
No credit check to request a call
Straight answers on what you can qualify for

Rather call now? (949) 749-7100 · Mon–Fri, 9am–5pm PT

Step 1 of 3

Who should we ask for?

So your specialist knows who they're calling.

First name

Last name

Business name

Please enter your first name, last name, and business name.

Free · No obligation · No credit check

Where can we reach you?

We'll text first so you know it's us calling.

Mobile phone

Email

Please enter a valid phone and email, and check the box so we can contact you.

Last one: a quick snapshot.

Best guesses are fine. This helps your specialist come prepared.

Time in business

Average monthly deposits

Best time to call (optional)

Please pick your time in business and monthly deposits.

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