Get Your Contractor Funding Offer
Answer a few quick questions. No credit check to start. No cost. No obligation.
WE FUND ALL CREDIT PROFILES — THIS HELPS US MATCH THE RIGHT PRODUCT
$85,000 – $250,000
9-DIGIT EIN · FORMAT: XX-XXXXXXX · FOUND ON IRS LETTERS OR TAX DOCS
ENTER 100 IF SOLE OWNER · ADD SECOND OWNER IN NEXT STEP IF APPLICABLE
- 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.
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.
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.
Our Funding Process
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.
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.
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.
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.
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 within 24 hours of e-sign
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.
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Category
|
Funding Expansion | Traditional Bank | Other Online Lenders |
|---|---|---|---|
| Documents & Requirements | |||
| Paperwork Required |
|
|
|
| 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 |
|
|
|
| Contractor Expertise |
|
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 |
|
Fixed monthly payment — regardless of revenue | Fixed daily or weekly ACH draw |
| Cost to Apply |
|
|
|
Contractor license
No tax returns
Full financials
Business plan
1 year tax return
E-sign from phone
Branch visit
Requires call
Revenue-based
Zero impact
Revenue-based
Real person answers
Knows your trade
Branch bottleneck
Call center only
Insurance slow-pay
Draw schedule gaps
Best offer wins
Take it or leave it
Single decision
Slow month = less
No fixed payment
No hidden fees
See offer first
Origination fees
Annual fees
Origination fees
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.
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.
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.
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.
$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.
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.
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No Minimum Credit Score RequiredWe fund based on monthly deposits — not your FICO. Bad credit? Still qualify.
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At Least 1 Year in BusinessUnder current ownership with consistent monthly operating history.
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$15,000+ Monthly Business RevenueBased on average bank deposits — not invoices, not tax returns.
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Active California Contractor LicenseC-39, C-20, C-10, D-49, B, C-36, C-27, C-33 and all licensed trades.
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Basic Business InformationLegal name, trade type, time in business — our 5-minute online form.
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Last 4 Months of Business Bank StatementsPDF upload or secure bank connection — no tax returns, no P&L needed.
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Valid Government-Issued Photo IDDriver's license — front and back. Verifies ownership identity only.
