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Funding for big contracts, so you can say yes

Materials, labor and mobilization come before the first invoice pays. Established businesses doing $60K+ a month can apply to fund the work up front.

Fund the contract

Contract funding

Take on the larger job without draining your operating cash

Winning bigger work means fronting bigger costs. Apply for contract funding through our partner, Merchant Fund Express and keep the rest of the business running.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Made for the gap before the first payment

Mobilize while the ink is fresh

Funding in as little as 24 hours for qualified businesses, with about 3 months of statements and a 5-minute application. No tax returns.

The business record leads

FICO 500+ considered and a soft pull to start. Steady revenue carries weight alongside your score.

Total cost before you commit

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

A schedule to bid against

Your repayment schedule is in the offer up front, so you can weigh it against the contract's payment terms.

The gap between winning the work and getting paid

Bigger contracts come with bigger up-front costs. You hire or schedule extra people, order materials in volume, maybe rent equipment, and then wait 30, 60 or 90 days for the client to pay. The contract is profitable on paper. The problem is the months in between.

That is the gap contract funding fills. It is not about whether your business is good enough for the job. It is about making sure cash on hand matches the size of what you have already earned.

Three owners, three versions of the same problem

A commercial cleaning company

Wins a multi-building office contract and needs equipment and a second shift before the first invoice is paid.

A regional food distributor

Adds a grocery chain account that requires double its usual inventory on the shelf from week one.

A staffing agency

Takes on a hospital placement that requires paying workers weekly while the client pays monthly.

These examples are for illustration. In each case the business is established and the contract is real. The cash timing is what needs solving.

Matching the funding to the job

What Merchant Fund Express will look at

Funding is provided through our partner Merchant Fund Express, and the review centers on the business. Expect to share about three months of business bank statements. No tax returns are required, and FICO scores from 500 are considered. A copy of the contract or purchase order can help show where the next revenue is coming from.

The audience here is businesses doing roughly $60,000 or more a month that have outgrown the size of their cash cushion. See what funders look at for the full picture.

Moving at the speed of the bid

Contracts often come with a start date that does not wait. The application takes about 5 minutes, begins with a soft credit pull, and qualified businesses can be funded in as little as 24 hours. Amounts range from $25,000 to $5,000,000.

If you are also working on personal credit through Eagle, keep in mind those are separate services. You do not need to finish one to start the other.

Frequently Asked Questions

Do I need to show the contract to get funding?

It is not always required, but sharing the contract or purchase order can help explain why you need capital now and how it will be repaid.

Can I use contract funding to hire workers?

Yes. Working capital can be used for labor, materials, mobilization and other costs tied to delivering the job.

What if the contract requires new equipment?

Equipment financing is often the better fit for machinery or vehicles you will keep after the contract ends.

How large a contract can be supported?

Funding ranges from $25,000 to $5,000,000, based on your revenue and bank activity rather than the contract size alone.

Will my personal credit stop me from taking on the contract?

Not necessarily. FICO scores from 500 are considered, and the review focuses heavily on business revenue.

Materials order $64,000.00
Added crew $38,500.00
Equipment rental $17,250.00
Mobilization $12,800.00

Example uses for illustration only.

How to improve your chances

These steps help a contract funding request read clearly.

  • Keep deposits steady through one operating account
  • Limit NSFs and overdrafts in the months before you apply
  • Have recent statements and the contract summary on hand
  • Show revenue growth from the work you already deliver

How Eagle contract funding compares to waiting on a bank loan

Eagle Business Funding
Traditional bank loans
Time to funds
As little as 24 hours
Weeks to months
Documents
About 3 months of statements
Tax returns, financials, more
Credit view
FICO 500+ considered
Strong credit usually expected
Amounts
$25K to $5M
Depends on collateral
First step
Soft pull to start
Hard pull common

Say yes to the contract with a plan

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding