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Contractor Funding Application
Your deposits do most of the talking. Time in business and cash flow matter more here than a credit score.
Prefer to talk? Call or text (949) 749-7100
↓Answer a few quick questions. No credit check to start. No cost. No obligation.
Not sure yet? Pick the closest amount. You can change it later.
Under current ownership. 6 questions to go.
Your best estimate is fine. This is the number funders weigh most.
Halfway through part 1.
All credit profiles are considered, and nothing is checked at this step. A rough guess is fine.
Last question before your results.
This is the last screen of part 1. No credit check happens here.
Part 2 is mostly business details you already know by heart.
It's on your tax paperwork or your bank's business account profile.
You're past halfway. A few owner details and the documents, then you're done.
Own less than 100%? Enter your share. We'll handle the rest on the call.
Funding partners require this to verify you are the owner. Two screens left.
This is the final screen. Most contractors pull these from their banking app in two minutes.
A Funding Expansion specialist will review your file and contact you within 8 business hours.
Two quick things that help right now
What slows a file down
From application to funds in your account, often in as little as 24–48 hours after approval. Most options don't require tax returns or a branch visit.
Tell us your trade, your monthly deposits, and how much capital you need. Most of our options don't require tax returns or financial statements.
We review your last 4 months of business bank statements, match you with the right product, and present your file to our funding partners to find your best available option.
You see the amount, total cost, factor rate, and repayment terms in writing before you sign anything. Ask us every question you have, then sign from your phone.
Your funding partner deposits funds directly into your business checking, often within 24–48 hours of signing. Repayment depends on your product; for a merchant cash advance it's usually a percentage of deposits or a fixed daily or weekly amount.
An honest comparison
If you qualify for a bank loan, it will almost always cost less, and we'll tell you that. We're built for contractors who need speed and flexibility, or who don't fit the bank's box.
| Funding Expansion | Traditional bank loan | Going direct to one online funder | |
|---|---|---|---|
| Documents | 4 months of business bank statements and a photo ID. Tax returns usually aren't needed. | Tax returns, financial statements, often a business plan | Bank statements, sometimes tax returns |
| Time in business | 6+ months for most funding partners | Often 2+ years | Usually 6–24 months |
| Credit | Many partners have no set minimum and weigh revenue heavily | Strong credit usually required | Varies by funder |
| Credit check | Soft inquiry to start. Partners may run more during underwriting. | Usually a hard inquiry | Varies |
| Collateral | Often no specific collateral, but many products include a UCC filing and a personal guarantee. We explain both before you sign. | Often required | UCC filings and guarantees are common |
| Speed | Decisions often same day. Funds as fast as 24–48 hours after signing. | Weeks to months | Days to weeks |
| Options | We compare 15+ funding partners for you | One bank, one decision | One funder, one decision |
| Who you talk to | A contractor funding specialist who understands draw schedules and insurance slow-pay | A generalist loan officer | Often a call center |
| Cost | Free to apply. Full cost and terms in writing before you sign. Fast funding like an MCA costs more than a bank loan. | Usually the lowest cost, if you qualify | Costs vary widely |
General comparison based on typical market practices. Requirements, costs, and timing vary by lender, funder, and product.
Built for the trades
For roofers, HVAC crews, electricians, plumbers, GCs, and every licensed trade in between. Funding that fits how your business actually gets paid.
Your crew starts Monday. The insurance check doesn't arrive until next month. Our funding partners advance capital based on your monthly deposits, so you don't have to choose between taking the job and making payroll.
Funds in as little as 24–48 hrs after signingMost of our options don't require tax returns, P&Ls, or a business plan. We review your last 4 months of deposits and tell you quickly where you stand.
Application takes about 5 minutesAfter you've paid down part of your first funding and kept deposits steady, many partners offer renewals, sometimes with larger amounts or better terms. It isn't automatic, and we'll tell you straight when renewing helps and when it doesn't.
Renewals are often reviewed around 50% paid downLanded a commercial roofing contract or a multi-phase HVAC build? Funding ranges from $10,000 to $2,000,000 and is sized to your monthly deposits.
Amounts based on revenue and qualificationFor licensed contractors
If you're a licensed contractor with steady monthly deposits, you're most of the way there. Our funding partners look closely at what actually comes into your account every month.
Free to apply. No obligation. No upfront fees.
Time in business
Banks often want two years or more. Most of our partners start at 6 months.
Monthly deposits
Your bank statements do the talking. No P&L required for most options.
Documents
Straight talk
Before you apply
No. Applying is free and there's no obligation. You'll see any offers, including the full cost and terms, in writing, and you decide whether to move forward.
A contractor funding specialist reviews your file and reaches out within 8 business hours. We present your file to our funding partners and walk you through the options you qualify for.
Our initial review uses a soft inquiry. Some funding partners may run additional credit checks during underwriting, as described in the authorization on the application.
Funding partners use it to verify your identity and review credit as part of underwriting. It's encrypted in transit and never saved in your browser. See our Privacy Policy.
Submit what you have. We can start reviewing right away, but an offer can't be finalized until we receive all four months.
Run the numbers first with our free contractor funding calculator, or read how contractors qualify for funding.
