Can a contractor with seasonal revenue get funded?
Yes. Seasonal revenue is a well-understood feature of the contracting business. We evaluate your 3–6 month average deposits rather than your worst month. Strong peak-season revenue supports qualification even during slower winter or rainy-season months.
Do you fund subcontractors as well as general contractors?
Yes. Subcontractors qualify for the same programs as GCs. The application evaluates your business bank deposits regardless of whether your clients are property owners, general contractors, or developers.
How fast can a contractor get funded?
Qualified contractors receive same-day to 72-hour ACH deposits for working capital programs. Equipment financing closes in 2–7 business days with a vendor or dealer quote.
Does my contractor license affect my ability to get funding?
An active contractor license in your state is a positive indicator for lenders — it demonstrates legitimate business operation. An expired or suspended license can affect approval. Ensure your licensing is current before applying.
Can I use funding to cover payroll between project draws?
Yes. Payroll gap bridging between draw requests and payment receipt is one of the most common uses of contractor working capital. Invoice factoring is particularly effective for contractors with outstanding draw requests or payment applications.
What credit score do I need?
Programs start at 500 FICO for smaller advances. Scores of 620+ access the most competitive rates. Strong average monthly deposits can offset lower personal credit scores.
Can I get funded if I have existing business debt?
Often yes. We evaluate net cash flow after existing debt service. Existing business loans or MCAs are a factor but not an automatic disqualifier — many contractors with existing positions access additional working capital.
Can I use funding for a bond or surety requirement?
Yes. Surety bond premiums, license bond renewals, and performance bond requirements are eligible uses of working capital for contracting businesses.
What's the minimum monthly revenue to qualify?
Most working capital programs require $15,000+ in average monthly deposits. Equipment financing qualifications are based on purchase price, down payment, and credit profile rather than revenue minimums.
Can I get funding to hire a full crew for a large project?
Yes. Labor costs including hiring, training, payroll advances, and crew build-up for large project commitments are fully eligible uses of contractor working capital.
How do I get pre-approved for roofing capital before storm season?
Apply before storm season starts — the best time is March or April for contractors in hurricane and hail-prone regions. Pre-approval takes 24–48 hours and gives you a commitment you can draw on immediately when the first storm hits your market.