Fast decisions. Transparent terms. Funding built around the way your trade actually operates.
Check your options in minutes — no surprises, no runaround.
24-Hour Funding
15+ Funding Partners
All 8 Contractor Trades
Nationwide Coverage
All Trades Welcomed
Get Your Contractor Funding Offer
Answer a few quick questions. No credit check to start. No cost. No obligation.
STEP 1 OF 7
How much capital does your business need?
Drag the slider to select your desired amount
$250,000
$10,000 — $2,000,000
It's FREE and won't affect your credit score.
How long has your business been operating?
What is your gross monthly revenue?
What is your contractor trade or industry?
What is your estimated personal credit score?
WE FUND ALL
CREDIT PROFILES — THIS HELPS US MATCH THE RIGHT PRODUCT
What do you need the capital for?
Enter your info to get your offer!
Analyzing your contractor profile...
CHECKING FUNDING ELIGIBILITY
BASED ON YOUR PROFILE
You likely qualify for $85,000 – $250,000
Great news, [FirstName]. Based on your
contractor business and monthly revenue, you match our funding criteria.
To prepare your official application and lock in your offer, we need a few more business details — takes
about 3 minutes.
24hrs
Estimated funding time
0
Tax returns required
Free
No cost to apply
🔒 SSL Secured · No hard credit pull · Takes
about 3 minutes
What is your business legal name?
What is your Federal Tax ID (EIN)?
9-DIGIT EIN ·
FORMAT: XX-XXXXXXX · FOUND ON IRS LETTERS OR TAX DOCS
Select your business entity type
Business formation details
Business physical address
Owner's full legal name & date of birth
Your home address
Your ownership percentage
ENTER 100 IF
SOLE OWNER · ADD SECOND OWNER IN NEXT STEP IF APPLICABLE
Social Security Number & Authorization
🔒 256-bit SSL🛡️ Bank-level encryption🔐 SSN stored only in signed doc✓ Soft pull only
Upload Your Financial Documents
📋 Document Requirements — Please Read
Bank Statements must be uploaded as a PDF file. Please log in to your bank's
website or mobile app and download your official statement as a PDF. All pages of each statement
must be included.
Screenshots of bank statements will not be accepted and will result in a delay or
rejection by underwriting. PDF format only.
Driver's License or State ID
may be submitted as a JPG photo taken with your phone. The image must be clear, well-lit, and all
text must be fully legible — no blurry or cropped images.
📊
Business Bank Statements
Last 4 Months Required
Upload the 4 most recent complete monthly statements from your primary business
checking account — all pages included. Statements must be downloaded directly from your bank as a
PDF.
Screenshots, photos of paper statements, and partial statements will not be accepted by underwriting.
💡 How to download your bank statements as a PDF:
Log in to your bank's website → go to Statements or Documents → select each month → click Download or Export as PDF. If you need help, contact your bank directly.
🪪
Government-Issued Photo ID
Required
Upload the front of your valid driver's license or state-issued ID. A clear photo
taken with your phone (JPG) is acceptable. The image must be well-lit, in focus, and all text —
including your name, address, date of birth, and ID number — must be fully readable. Blurry,
cropped, or glare-obscured images will not be accepted.
🔒 256-bit SSL
🛡️ Bank-Level Encryption
📄 E-Sign Doc Auto-Sent
✓ NMLS #2089347
Securing your application...
UPLOADING DOCUMENTS
0%
🎉 Application Received
You're All Set!
Your application has been received and your e-signature document is on its way to your email.
A Funding Expansion specialist will contact you within
8 business hours
with your personalized funding offer.
📬 Check your inbox — including spam — for your document to sign.
From your first click to cash in your business account — most contractors are funded within 24 hours. No
tax returns. No branch visits. No runaround.
Step 01
Complete Your 5-Minute Application
Tell us about your contracting business — your trade, monthly revenue, and how much
capital you need. No tax returns. No financials. Just the basics about your operation.
⚡ Takes about 5 minutes
Step 02
We Review Your Bank Statements
Upload your last 4 months of business bank statements. We calculate your average monthly
revenue and match you with the right funding product and the best offer from our network
of funders.
⚡ Reviewed within hours
Step 03
Review Your Offer & E-Sign
You receive a clear offer with your approved amount, factor rate, and repayment terms —
all in writing before you sign anything. Review it, ask questions, and sign from your
phone in 60 seconds.
⚡ No surprise fees
Step 04
Capital Hits Your Business Account
Funds are wired directly to your business checking account — typically within 24 hours of
signing. Buy materials, pay your crew, start your job. From then on, a small fixed
percentage of your daily deposits repays automatically — no manual payments.
⚡ Funded in 24–48 hours
9:41
▌▌▌●▉
FX
Funding Expansion
Contractor Capital
Contractor TradeRoofing · C-39 License
Capital Requested$75,000
Monthly Revenue$85,000 / month
Time in Business7 Years
Analyzing Your Profile
Matching with 20+ funders...
Application received
✓
Bank statements verified
✓
CSLB license confirmed
✓
Calculating best offer...
Sending your results
✓
You're Approved!
Congratulations · Funded Today
Approved Amount
$75,000
Roofing Contractor · C-39 · San Diego,
CA Funded within 24 hours of e-sign
Factor Rate1.28
Daily Holdback12% of deposits
Approx. Term~8 Months
💰
Capital Deposited!
Funds sent to your account
Business Checking Account
$78,420.00
Available Balance
Funding Expansion Wire
Today · 9:41 AM
+$75,000
🏗️ Your capital is ready. Go buy those materials, pay your crew, and take the job.
Step 01 — Apply Online
Why Contractors Choose Funding Expansion
Why Contractors Choose Us
Funding Expansion vs. The Bank vs. Everyone Else
We built this company for licensed contractor trades — not restaurants, not retail, not tech startups.
See exactly why contractors nationwide choose us over every other option.
Licensed Contractor Specialists
$10K–$2M Available
Funded in 24–48 Hours
No Tax Returns Required
Category
Funding Expansion
Traditional Bank
Other Online Lenders
Documents & Requirements
Paperwork
Required
✓ Last 4 months bank statements
✓ Valid contractor license
✓ No tax returns ever required
✗ 2–3 years tax returns
✗ 2–3 years full financials
✗ Business plan required
3–6 months bank statements
1 year tax return
Financial statements
Application
5-Minute Online Form E-sign from your phone
Long multi-page app In-branch meetings required
Multi-page online Often requires a call
Business
Financials
Not Required
2–3 Years Required
1 Year Sometimes
Collateral
Never Required
Always Required
Sometimes Required
Credit & Qualification
Credit
Score
No Minimum Revenue matters more than credit
680+ FICO Required
600+ FICO Typical
Credit
Check Type
Soft Pull Only Zero impact to your score
Hard Pull
Hard Pull
Time
in Business
1+ Year
5+ Years Preferred
1–2 Years Minimum
Business
Profitability
Not Required We fund based on revenue
2 Years Profitable
Sometimes Required
Speed & Service
Approval
Speed
Same Day — Hours
Weeks to Months
Days to Weeks
Time
to Funding
24–48 Hours Same day in urgent situations
30–90 Days
3–10 Business Days
Who
You Work With
✓ Dedicated contractor specialist
✓ Direct line — real person answers
✓ Knows your trade & license type
✗ Rotating loan officer
✗ Branch manager bottleneck
Automated system
Call center support
No industry expertise
Contractor
Expertise
✓ C-39, C-20, C-10, D-49, B, C-36, C-27
✓ Understand insurance slow-pay
✓ Know draw schedule gaps
No Industry Knowledge
Generic — Not Trade Focused
Funding Details
Funding
Range
$10,000 – $2,000,000
Often capped at $250K for small business
$5K – $500K typical
Number
of Funders
20+ We shop multiple funders for your best offer
1 Take it or leave it
1 Single lender decision
Repayment
✓ Small % of daily deposits
✓ Slow month = you pay less
✓ No fixed monthly payment
Fixed monthly payment — regardless of revenue
Fixed daily or weekly ACH draw
Cost
to Apply
✓ Free to apply — no commitment
✓ No hidden fees
✓ See full offer before signing
✗ Application fees
✗ Origination fees
✗ Annual maintenance fees
Factor rates vary widely
Origination fees common
Documents & Requirements
Paperwork Required
Funding Expansion
✓ 4 months bank statements ✓ Contractor license ✓ No tax returns
Bank
✗ 2–3 yrs tax returns ✗ Full financials ✗ Business plan
Online Lenders
3–6 months statements 1 year tax return
Application
Funding Expansion
5-Min Form E-sign from phone
Bank
Multi-page app Branch visit
Online Lenders
Multi-page Requires call
Business Financials
Funding Expansion
Not Required
Bank
2–3 Years
Online Lenders
1 Year
Collateral
Funding Expansion
Never Required
Bank
Always Required
Online Lenders
Sometimes
Credit & Qualification
Credit Score
Funding Expansion
No Minimum Revenue-based
Bank
680+ FICO
Online Lenders
600+ FICO
Credit Check Type
Funding Expansion
Soft Pull Zero impact
Bank
Hard Pull
Online Lenders
Hard Pull
Time in Business
Funding Expansion
1+ Year
Bank
5+ Years
Online Lenders
1–2 Years
Business Profitability
Funding Expansion
Not Required Revenue-based
Bank
2 Yrs Profitable
Online Lenders
Sometimes
Speed & Service
Approval Speed
Funding Expansion
Same Day
Bank
Weeks–Months
Online Lenders
Days–Weeks
Time to Funding
Funding Expansion
24–48 Hours
Bank
30–90 Days
Online Lenders
3–10 Days
Who You Work With
Funding Expansion
✓
Contractor specialist ✓ Real person
answers ✓ Knows your trade
✓ % of
daily deposits ✓ Slow month =
less ✓ No fixed payment
Bank
Fixed monthly — regardless of revenue
Online Lenders
Fixed daily / weekly ACH
Cost to Apply
Funding Expansion
✓ Free to
apply ✓ No hidden fees ✓
See offer first
Bank
✗ App
fees ✗ Origination fees ✗ Annual
fees
Online Lenders
Factor rates vary Origination fees
Contractor Capital Made Simple — Funding Expansion
Built for the Trades
Contractor Capital Made Simple
We built this for roofers, HVAC crews, electricians, plumbers, GCs, and every licensed trade in
between. Not a generic bank product. Capital that actually fits how your business operates.
24hrAvg. Funding Time
Capital in 24 Hours. Not 24 Weeks.
Your crew starts Monday. The insurance check doesn't arrive until next month. We advance capital
against your monthly bank deposits so you never have to choose between taking a job and making
payroll.
Most contractors funded same or next business day
RoofingHVACElectricalTree Service+ All Trades
✓
Bank Stmts: ✓ Done
✓
License Verified: ✓
✓
Offer Ready: ✓
4 Bank Statements. That's All We Need.
No tax returns. No profit and loss statements. No business plans. No collateral. Just your last 4
months of bank deposits — and we can tell you what you qualify for the same day you apply.
Application takes 5 minutes to complete
No Tax ReturnsNo CollateralSoft Pull Only
🔄
Renew & Grow. More Capital as You Scale.
Once you've completed your first funding and shown consistent revenue, you become eligible for
higher amounts and better terms. As your contracting business grows, so does your access to
capital — automatically.
Renewal available after 50% payback milestone
Repeat FundingHigher LimitsBetter Terms
$10K to $2M. Larger Funding as You Win Bigger Jobs.
Landed a commercial roofing contract? Won a multi-phase HVAC build? Scaling your GC operation to
4 crews? We fund from $10,000 up to $2,000,000 based on your monthly revenue — so your capital
always matches your opportunity.
Advance up to 125% of monthly revenue
$10K–$2MRevenue-BasedNo Collateral
24hr
Average Time to Funded
$2M
Maximum Single Advance
20+
Funding Partners We Shop
0
Tax Returns Required
What You Need To Get Started — Funding Expansion
For Licensed Contractors
What You Need To Get Started
If you're a licensed contractor generating consistent monthly revenue, you're
already most of the way there. We don't qualify you like a bank — we look at what's actually coming
in the door every month.
Minimum Qualifications
No Minimum Credit Score
RequiredWe fund based on monthly deposits — not your FICO. Bad credit? Still qualify.
At Least 1 Year in
BusinessUnder current ownership with consistent monthly operating history.
$15,000+ Monthly Business
RevenueBased on average bank deposits — not invoices, not tax returns.
Active California Contractor
LicenseC-39, C-20, C-10, D-49, B, C-36, C-27, C-33 and all licensed trades.
What You Need To Apply
Basic Business
InformationLegal name, trade type, time in business — our 5-minute online form.
Last 4 Months of Business Bank
StatementsPDF upload or secure bank connection — no tax returns, no P&L needed.
Valid Government-Issued Photo
IDDriver's license — front and back. Verifies ownership identity only.
Free to apply. No commitment. Won't affect your credit score.
Minimum Requirement
0+ Yrs
Time in Business
In Business 1+ Years
Unlike banks that want 5–7 years, we work with contractors who've
been operating at least 1 year under current ownership.
ACTIVELY FUNDING
Monthly Revenue Floor
$0
Per Month
$15K+ Monthly Deposits
Contractors with at least $15,000 in monthly bank deposits
typically qualify. We verify income through your bank — no P&L required.
DEPOSIT-BASED APPROVAL
Credit Score
No Minimum FICO Required
Your credit score doesn't fund your crew.
Your revenue does. We look at average monthly deposits — not what a bureau says
about you. Contractors with credit scores well below 600 are funded every month.
