Put the excavator, the boom lift, or the next three trucks to work now, and pay for them from the jobs they run, not from cash you're holding for the next mobilization.
Apply Now →Contractor equipment financing from Construction Capital Advance puts $25,000 to $5,000,000 behind the machinery, fleet, and jobsite equipment your crews need, with approval that leans on your business bank deposits and revenue far more than your credit score. All credit is considered. Most contractors get a decision in about 4 to 24 hours and funding often the same or next business day, so a skid steer, a service truck, or a full fleet expansion doesn't sit behind a bank's multi-week underwriting while you're trying to mobilize on the next contract. This is working capital built for a business that already has the awards and the receivables but is waiting on draws to catch up.
We fund the hard assets that move dirt, lift material, and get crews to the site. That includes heavy machinery, vocational trucks, and the smaller tools and tech that keep a job on schedule. Because the funding is based on your revenue rather than the specific asset, you decide where it goes, whether that's one purchase or several at once.
Contractors also use this money to cover the mobilization and materials that come bundled with putting new equipment into service, so the machine and the first job it runs are funded together.
The process is built for how construction cash actually moves, not for how a bank wishes it moved. You apply online, we look at your recent bank activity, and a decision comes back fast.
Because we don't hold a lien on the specific unit the way a traditional equipment lender does, you own what you buy outright and you're free to fund a purchase, a repair, and a mobilization in the same draw.
Funding runs from $25,000 to $5,000,000. What you qualify for is driven by your average monthly deposits and how steady the revenue looks across your statements. Repayment is structured to match construction cash flow, with fixed daily or weekly remittances that stay predictable while you wait on draws and receivables.
Larger revenue and stronger, cleaner deposit history generally open larger amounts and longer structures. Nothing here is ever guaranteed, and every file is reviewed on its own numbers.
A traditional equipment loan underwrites the machine and your personal credit. That's a problem for a growing contractor whose score took a hit during a slow winter or a delayed retention payment, even though the business is booking more work than ever. We underwrite the business the way the business runs: on the money coming through the account.
If your deposits show consistent revenue from completed work and progress payments, that carries the file. A challenged credit profile does not automatically end the conversation. This is why contractors who get declined by a bank on a paper technicality still qualify here, and why a fast-growing outfit can finance a second excavator before the first year of tax returns is even filed.
These are illustrative structures to show how amount and repayment scale with monthly revenue. Actual offers depend entirely on your bank statements and are never guaranteed.
| Contractor | Equipment need | Avg. monthly deposits | Amount funded | Decision to funding |
|---|---|---|---|---|
| Site-work GC | Used excavator + attachments | $180,000 | $95,000 | Next business day |
| Commercial roofer | Two service trucks + material lift | $140,000 | $70,000 | Same day |
| Electrical contractor | Bucket truck + generators | $320,000 | $210,000 | Next business day |
| Plumbing & mechanical | Fleet expansion, 4 vans | $90,000 | $48,000 | ~24 hours |
| Excavation & grading firm | Dozer purchase + mobilization | $650,000 | $425,000 | Next business day |
This is built for established contractors with real revenue moving through a business account, not startups working off a single verbal award. The strongest files share a few traits.
You do not need spotless credit, a completed equipment appraisal, or years of filed returns. You need deposit history that shows the business is real and working.
Neither in the traditional sense. It's revenue-based funding of $25,000 to $5,000,000 that lands in your business account, so you buy the equipment yourself and own it outright. There's no lien tied to the specific machine and no lease-end buyout, which means you can put the same funding toward a purchase, a repair, and the mobilization around it.
All credit is considered. Approval leans on your business bank deposits and revenue far more than your credit score, so a challenged credit profile does not automatically disqualify you. Consistent deposits from completed work carry the file. Nothing is ever guaranteed, but weak credit alone is rarely the reason a strong-revenue contractor gets declined here.
Most contractors get a decision in about 4 to 24 hours after we have your bank statements, and funding often lands the same or next business day. There's no equipment appraisal to schedule and no multi-week bank underwriting, which is the whole point when you're trying to mobilize on a new award.
A short online application and typically 3 to 6 months of business bank statements. The statements are the core of the decision because they show your real deposit history and revenue. You generally won't need an equipment appraisal, years of tax returns, or a formal business plan.
Yes. Because the funding is based on your revenue rather than a single asset, you decide how to deploy it. Contractors regularly fund several trucks at once, a machine plus attachments, or an equipment purchase bundled with the materials and mobilization for the job it will run.
Funding runs from $25,000 to $5,000,000, and the amount is driven by your average monthly deposits and how steady the revenue looks across your statements. Stronger, cleaner deposit history generally opens larger amounts. Every file is reviewed on its own numbers and no amount is guaranteed until a decision is issued.
Serving construction companies nationwide with fast, flexible business funding from $25K to $5M.
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
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