Draw schedules and retainage do not match a Friday payroll. Commercial contractors doing $60K+ a month can apply, with funding in as little as 24 hours for qualified files.
Check my optionsCommercial contractors
Commercial work pays on its own clock. Contractors can apply for fast working capital or equipment financing through our partner, Merchant Fund Express.
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.
Funding in as little as 24 hours for qualified contractors; faster depends on the file and bank. About 3 months of statements, no tax returns.
FICO 500+ considered and a soft pull to start. Revenue from completed commercial work carries weight.
Your offer shows the full repayment amount before you accept, and there are no surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can line it up with expected draws.
On commercial work, you front the money and the general contractor or property owner pays later. A draw gets held up for an inspection. Retainage sits for months after you finish. Meanwhile the lumber yard wants payment and your foreman wants his check. A profitable contractor can still be short on cash more weeks than not.
When you search for same day contractor funding, the honest answer is this: decisions through Merchant Fund Express move fast, and qualified contractors can be funded in as little as 24 hours. Anything quicker depends on the file and the bank.
This page focuses on established contractors doing commercial and light industrial work: electrical, mechanical, plumbing, concrete, roofing on commercial buildings, site work, tenant build-outs and similar trades. The businesses we serve typically run $60,000 or more a month in revenue.
Residential remodeling has its own cash cycle and is not the focus here. If your work is mostly commercial, read on.
| Need | Common fit |
|---|---|
| Materials ordered before the first draw | Working capital |
| A skid steer, lift or work truck | Equipment financing |
| Costs spread across a long project | Business line of credit |
| Payroll while retainage is held | Working capital or a line of credit |
Bidding on something larger than usual? See funding for big contracts.
A lot of contractors built their company on personal credit cards and personal signatures on supplier accounts, and their score took the hit. That history does not have to decide what happens next. FICO scores from 500 are considered, and the review focuses on roughly three months of business bank statements. No tax returns are required, so you are not waiting on your accountant to finish last year's filing.
Funding ranges from $25,000 to $5,000,000, and sole proprietors can apply.
Eagle Credit Repair helps people work on personal credit. Business funding is a separate service provided through our partner. You do not need credit repair to apply, and taking funding will not raise or repair your score. Plenty of contractors apply for funding now based on their revenue and handle credit on their own schedule.
When you are ready, the 5-minute application starts with a soft pull.
We do not promise same-day funding. Decisions are fast, and qualified contractors can be funded in as little as 24 hours, depending on the file and the bank.
This page focuses on contractors doing commercial work. Residential remodeling has a different cash cycle and is not the focus of this offer.
Yes. Equipment financing covers machinery and work vehicles, with the equipment typically securing the financing.
The review looks at about three months of bank activity overall. Consistent deposits matter more than the timing of a single draw.
No. Tax returns are not required. Business bank statements are the main documents.
Example uses for illustration only.
Commercial contractors can tighten a file with a few habits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding