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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
$500,000 · 2026

How to Get $500,000 in Draw & Cash-Flow Funding

How contractors qualify for $500,000 in draw & cash-flow funding — approved on revenue, FICO 500+, funded in as little as 24 hours.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Constructionspecialist
No collateralfor working capital

See how much your construction business qualifies for

$25K to $5M in revenue-based capital for construction — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: To get $500,000 in draw & cash-flow funding, a contractor generally needs monthly revenue that supports the amount, 6+ months in business, and FICO 500+. Construction Capital Advance approves on deposits — not the contract — and funds $500,000-range amounts in as little as 24 hours.

Reviewed by the Construction Capital Advance team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

What you can do with $500,000

Common uses of capital through Construction Capital Advance.

Use of fundsTypical amountSpeed
Payroll & crews$25K – $500K24 hours
Materials$25K – $1M24 hours
Equipment & mobilization$25K – $2M1–3 days
Bridge the draw gap$50K – $5M1–2 days

Why contractors choose us

  • Underwritten on deposits, not the contract
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as your projects pay you
  • Built for how contractors get paid

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

How much revenue do I need for $500,000?
Amounts scale with revenue; $500,000 typically fits contractors with proportional monthly deposits. Apply to see your exact offer.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

Get $500,000 in funding

Apply in 5 minutes with a soft credit pull. Keep your crews and materials moving.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why contractors choose us

Fast revenue-based capital that fits construction cash-flow gaps — draws, retainage, mobilization, equipment.

🏗️

Built for construction

GCs, subs, and every trade — grading, demolition, concrete, roofing, framing, and more.

⚡

Funded in 24 hours

Fund a draw gap, buy materials, or make payroll — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your construction business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute