Get mobilization capital approved on your deposits and receipts — with repayment that flexes to the money actually coming in from your jobs.
Apply Now →Revenue-based financing for contractors is funding you qualify for on the strength of your business bank deposits and job revenue rather than your credit score alone — and Construction Capital Advance underwrites it that way, advancing $25,000 to $5,000,000 against the receipts your projects generate. Instead of waiting on the first draw or a slow AR aging report to clear before you can mobilize, you get capital now to cover materials, deposits, and crew, then repay as a share of the deposits landing in your account. We look hardest at the last several months of bank statements, all credit is considered, most decisions come back in about 4 to 24 hours, and approved contractors are often funded the same or next day.
On most construction work, the money is real long before it hits your account. You've signed the contract, you're scheduled to mobilize, and the draws are coming — but materials suppliers want deposits, your crew needs paying every Friday, and the GC or owner pays on a 30-, 60-, or 90-day cycle. Revenue-based financing bridges that gap by treating your proven deposit history as the qualification, not your FICO.
We advance against the revenue we can see moving through your bank statements. Because repayment is tied to a percentage of your incoming deposits, the payment breathes with your billing cycle: heavier when draws and progress payments are landing, lighter during a slow stretch between projects. That's a very different structure from a fixed-term bank loan that demands the same payment whether or not a check cleared that week.
Contractors get punished by conventional credit models. A tax lien from a bad year, thin trade lines, a personal score dinged by a slow season — none of it tells us whether your business moves money. Your bank statements do. If your operating account shows consistent deposits from completed work and active jobs, that revenue is the collateral and the underwriting.
All credit is considered. We're not looking for a reason to decline you; we're looking at whether the receipts support the advance. That means roofers coming off a strong storm season, electricians mid-way through a commercial fit-out, plumbers running steady service revenue, and GCs carrying several draws in progress can all qualify on cash flow that a bank would never score.
Funding runs from $25,000 for a single mobilization up to $5,000,000 for contractors carrying multiple large jobs at once. The amount is sized to your deposit volume — typically a multiple of your average monthly revenue — so the advance stays in proportion to the receipts that will repay it.
| Contractor | Avg. monthly deposits | Amount advanced | Repayment as % of deposits | Use of funds |
|---|---|---|---|---|
| Roofing contractor | $180,000 | $150,000 | ~9% of daily deposits | Shingles + underlayment for 3 storm-season roofs before draws |
| Commercial electrician | $320,000 | $300,000 | ~8% of daily deposits | Gear, conduit, and crew to mobilize on a tenant fit-out |
| General contractor | $650,000 | $600,000 | ~7% of weekly deposits | Bridge two jobs waiting on 60-day draw approvals |
| Plumbing company | $95,000 | $75,000 | ~10% of daily deposits | Fixtures + material deposit ahead of first progress payment |
These are illustrative examples, not offers or quoted rates. Your actual amount, holdback percentage, and terms depend on your statements and your job pipeline. When deposits slow, the dollar amount collected slows with them — the percentage stays the same, the payment doesn't.
The most dangerous point in any construction project is the beginning. You've won the work, but you're spending — permits, material deposits, equipment, the first weeks of labor — with nothing coming back until the first draw is inspected, approved, and released. Contractors who turn down good jobs almost always turn them down here, because they can't front the mobilization.
Revenue-based financing is designed for exactly that window. It puts materials on the ground and boots on the site before the first draw, then repays itself out of the receipts those very jobs produce. You stop financing your own projects out of pocket and stop passing on work because the money's tied up in a receivable you can't touch yet.
The core of the file is your business bank statements — usually the last three to six months — because that's where your true revenue lives. We read them for deposit consistency, average balances, and whether the receipts can comfortably support the advance and its repayment alongside your existing obligations.
We'll also want a simple picture of your work: what you do, the jobs currently in progress, and roughly what's in the pipeline. Contractors with active projects and steady billing look strongest, because the future deposits that repay the advance are already contracted. Credit is reviewed, but it sits behind the revenue, not in front of it.
Construction doesn't wait, so neither do we. A complete application with recent bank statements usually gets a decision in about 4 to 24 hours. Once you're approved and the paperwork is signed, funding is frequently same-day or next-day — fast enough to hit a supplier deadline or make payroll on Friday.
We don't promise outcomes and nothing here is guaranteed — approval always depends on what your revenue and file support. But the process is deliberately built to match the pace of a job that's mobilizing now, not a bank timeline measured in weeks.
A bank loan is underwritten on credit, collateral, and a fixed repayment schedule that doesn't care whether a draw cleared that week. Revenue-based financing is underwritten on your bank deposits and job revenue, and repayment flexes as a share of the receipts coming in — heavier when draws land, lighter when they don't. It's also far faster, with decisions in about 4 to 24 hours instead of weeks.
All credit is considered. Approval leans on your business bank deposits and revenue more than your score, so contractors with a tax lien, thin trade lines, or a personal score bruised by a slow season can still qualify if the receipts support the advance. Credit is reviewed, but it sits behind your cash flow.
Funding ranges from $25,000 to $5,000,000. The amount is sized to your deposit volume — typically a multiple of your average monthly revenue — so the advance stays in proportion to the receipts that repay it. Contractors carrying multiple large jobs at once qualify at the higher end.
Repayment is set as a percentage of your incoming deposits rather than a fixed monthly bill. When draws and progress payments are landing, more is collected; during a slow stretch between projects, the dollar amount drops with your deposits. The percentage stays constant, so the payment moves with your actual cash flow.
Most complete applications get a decision in about 4 to 24 hours. Once you're approved and signed, funding is often same-day or next-day — fast enough to cover a material deposit or make payroll. Nothing is guaranteed; approval always depends on what your statements and job pipeline support.
Primarily your last three to six months of business bank statements, which show the deposit history we underwrite on, plus a simple picture of your work and the jobs currently in progress. There's no phone call required — the application is online, and contractors with active projects and steady billing tend to look strongest.
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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