Revenue-Based Financing for Contractors: Get the Capital to Do the Job You Already Won

Here’s a problem every contractor knows.

You bid the job. You won the job. The client signed the contract. Work starts in two weeks.

And now you need $40,000 in materials, labor, and equipment — before the first draw check hits your account.

Banks don’t understand project-based cash flow. They see irregular income. They see no W-2. They see a business that looks inconsistent on paper — even when your backlog is full and your reputation is spotless.

Revenue-based financing was built for exactly this situation.

Why Banks Keep Saying No to Contractors

The construction and contracting industry is one of the most bank-unfriendly industries in America.

Your income is project-based — meaning it comes in big chunks, not smooth monthly deposits. Banks want predictable. You give them feast-or-famine cycles that make perfect sense to anyone who understands your business, but look like chaos to an underwriter.

Add in the fact that most contractors don’t have real estate to collateralize, and the bank’s answer is almost always no.

We say yes based on what you actually earn.

How Revenue-Based Financing Works for Contractors

We look at your average monthly revenue over the last 3–6 months. If you’re consistently bringing in $10,000 or more, you likely qualify — regardless of whether that revenue comes from one big project or ten small ones.

Funding gets to you fast — typically within 24–48 hours of approval. No waiting for a bank committee to meet. No 90-day underwriting process.

Repayment comes as a small percentage of your daily or weekly revenue deposits — so when you’re between projects and cash is tighter, your payment adjusts automatically. When you’re flush after a big draw, you pay a little more. It flexes with how contracting actually works.

See the full breakdown in our revenue-based financing guide.

What Contractors Use This Funding For

• Materials and supplies before the first draw check arrives
• Payroll and subcontractor payments during a project
• Equipment purchases or rentals
• Bidding bonds and insurance premiums
• Bridging gaps between project completions
• Vehicle and fleet repairs or upgrades
• Taking on a second project while the first is still in progress
• Covering overhead during slow winter months

Who Qualifies?

• In business at least 6 months
• $10,000+ in average monthly revenue
• Active business bank account

General contractors, specialty trades, electrical, plumbing, HVAC, roofing, landscaping — if you’re running a contracting operation and generating consistent revenue, you have a strong shot at qualifying.

How Much Can a Contractor Get?

Funding ranges from $10,000 to $500,000, typically based on 1–1.5x your average monthly revenue.

A contractor averaging $50,000/month in revenue could access $50,000–$75,000. Funds arrive within 24–48 hours of approval — fast enough to mobilize for a job that starts next week.

Don’t Let Cash Flow Kill a Job You Already Won

The most frustrating thing in contracting isn’t losing a bid. It’s winning one and not being able to execute because the money isn’t there yet.

Revenue-based financing closes that gap. You get funded now, do the work, get paid, and repay from your revenue. Simple.

Fill out the form below. Takes 2 minutes. Find out what you qualify for today.

Frequently Asked Questions