Contracting cash flow, plainly stated
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.
Who this page is for
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.
Where the money goes on a typical job
| 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.
Your bank statements carry the weight
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.
Funding and credit repair stay in separate lanes
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.
Frequently asked questions
Can I get contractor funding the same day I apply?
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.
Do you fund residential remodelers?
This page focuses on contractors doing commercial work. Residential remodeling has a different cash cycle and is not the focus of this offer.
Can I finance a truck or heavy equipment?
Yes. Equipment financing covers machinery and work vehicles, with the equipment typically securing the financing.
Will slow-paying GCs hurt my application?
The review looks at about three months of bank activity overall. Consistent deposits matter more than the timing of a single draw.
Do I need tax returns?
No. Tax returns are not required. Business bank statements are the main documents.