You can't wait 60 days for a bank decision when you're covering materials, payroll, and equipment between progress payments. Revenue-based approval in days, no personal collateral.
These are illustrative examples based on realistic SMB funding patterns — not guarantees. Your actual range depends on your revenue, tenure, and credit profile.
GC funded materials and sub payments mid-project while waiting on a 45-day draw from the owner. No lien on equipment.
Purchased a skid steer to bring a subcontract line in-house. Paid back over 8 months from project revenue.
Covered approved change-order costs while waiting for updated contract signatures and a revised draw schedule.
Business name, email, funding need, monthly revenue. Soft pull only — no credit impact.
A real human advisor reviews your application within 24 hours and reaches out with questions or options.
Clear terms, no surprises. Review and accept the offer that works for your business.
Typically 1–3 business days after acceptance. No origination fees to pay upfront.
Soft credit pull only. A funding advisor reviews your file within 24 hours.
Not necessarily. We look at average monthly deposits and your project pipeline, not just a flat revenue curve. Contractors with $50K+ in average monthly deposits — even if variable — typically qualify. Your advisor will look at your full 6-month bank history.
Yes. Bridging progress billing gaps is one of the primary use cases for contractor funding. You get capital now against the revenue you've already earned but haven't been paid yet.
No. We don't require equipment liens, UCC filings on assets, or personal real estate. Revenue-based underwriting means the loan is secured against future receivables from your revenue — not your truck or tools.
Government contractors are a fit. Payment timing is slower, which is exactly why working capital funding helps. We underwrite based on your demonstrated deposit history, not the theoretical payment schedule.
We can work with single-entity structures — apply under the operating entity that holds the bank account and contract revenue. Multi-entity situations can be discussed with your advisor after the initial qualification.
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