Answer a few questions about your business and get an estimated range in about 2 minutes. Free to apply, no obligation, and the initial review won't affect your credit score.
About 2 minutes. Free, no obligation, and checking won't affect your credit score.
GROSS REVENUE DEPOSITED INTO YOUR BUSINESS ACCOUNT
ALL CREDIT PROFILES CONSIDERED — THIS HELPS US MATCH THE RIGHT PRODUCT. NO CREDIT CHECK AT THIS STEP.
Thanks, there. Based on what you told us, your contractor business is within the range our funding partners typically review. Finish your application (about 3 minutes) so a specialist can review your bank statements and shop your file.
Estimate only, based on the revenue range you selected. This is not an approval or an offer. Final amounts, costs, and terms depend on underwriting and are shown to you in writing before you sign.
Most of our funding partners look for at least 6 months in business and $10,000+ in monthly deposits. Based on your answers, you're not there yet, and we'd rather tell you now than waste your time or run your credit.
Come back anytime your numbers change. It takes about 2 minutes.
That's a problem on our end, not yours. Please try again, or call or text us and we'll finish over the phone in a few minutes.
9 DIGITS · FORMAT XX-XXXXXXX · ON YOUR IRS EIN LETTER OR TAX DOCS
ENTER 100 IF YOU ARE THE SOLE OWNER. IF YOU OWN LESS, YOUR SPECIALIST WILL COLLECT OTHER OWNERS' INFO ON YOUR FOLLOW-UP CALL.
Your application is in, and your e-signature document is on its way to your email. A Funding Expansion specialist will contact you within 8 business hours to walk through your options.
📬 Check your inbox, including spam, for the document to sign.
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. The initial review won't affect your credit score.
Time in business
Banks often want years of history. 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.
