Industry Funding

Contractor Business Funding: Capital Between Contracts

Contractors front costs for labor, materials, and equipment — and often wait 30–90 days for payment. OneDay Capital bridges that gap with fast working capital, equipment financing, and invoice factoring from 50+ funders.

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No credit impact · 5 min application · Same-day decisions

$5K–$5M+

Funding amounts

24–48 hrs

Time to fund

500+

Min. credit score

50+

Active funders

Contractor Funding Options

One application shows you offers across all product types from 50+ funders.

Working Capital Loan24–48 hrs

Fund the upfront costs of a job before payment arrives. Fixed daily or weekly repayment.

$5K–$5MBest for: Payroll, materials, subcontractors

Equipment Financing2–5 days

Finance vehicles, tools, excavators, cranes, and machinery. The equipment serves as collateral.

$10K–$5M+Best for: Trucks, tools, heavy machinery

Invoice Factoring24–72 hrs

Sell outstanding invoices for immediate cash. The factor underwrites your customers, not you — great for contractors with net-30 to net-90 terms.

$10K–$5M+Best for: Businesses with outstanding invoices

Business Line of Credit1–7 days

Revolving credit line you draw as needed between contracts. Pay interest only on what you use.

$5K–$2MBest for: Revolving job-to-job bridge

The Contractor Cash Flow Problem — and How to Solve It

Most contractors operate on a fundamental cash flow mismatch: costs are incurred immediately (payroll, materials, subcontractors, fuel, equipment) but payment arrives weeks or months after the job is complete. This gap grows as your business grows — larger contracts mean larger upfront costs and longer wait times.

Common contractor funding needs:

Job mobilization capital: Materials, permits, and crew costs before a large contract starts paying
Equipment purchases: Trucks, backhoes, lifts, specialized tools — often required to win certain contracts
Payroll during slow seasons: Keep your crew together through winter or slow periods
Bonding and insurance deposits: Required for commercial and government contracts
Subcontractor payments: Pay subs on time to maintain relationships and capacity
Growth opportunities: Bid on larger contracts that require more upfront capital than your current cash position allows

Invoice Factoring for Contractors

Contractors with outstanding invoices from commercial clients (general contractors, property managers, developers) are excellent candidates for invoice factoring. Rather than waiting 45–90 days for payment, you sell the invoice to a factor at a small discount and receive cash within 24–72 hours. The factor collects from your client directly.

Because the factor is underwriting your client's creditworthiness (not yours), invoice factoring works well even for contractors with challenging personal credit.

Contractor Funding Requirements

Monthly revenue

$10,000+ in gross deposits

Time in business

6+ months (varies by product)

Credit score

500+ personal FICO (revenue is primary factor)

Documentation

3–6 months of bank statements; invoices for factoring

Collateral

Not required for working capital; equipment for equipment loans

Contractor types

General, specialty, electrical, plumbing, HVAC, civil, landscaping

Get Contractor Funding in 24–48 Hours

Apply in 5 minutes. OneDay Capital matches your profile to funders across working capital, equipment, and invoice factoring — one application, no credit impact.