Contractor Business Loans, Funded in as Little as 24–48 Hours
$20,000 to $500,000+ for general contractors, roofers, HVAC, plumbing and electrical companies through one 60-second form. One application for our lender network and one dedicated specialist who understands draw schedules. Contractor business funding and construction business loans from $20K to $500K+, with one application and one specialist.
- Cover materials and crew before the draw lands. Start the signed job without emptying the operating account.
- Turn slow-paying invoices into working capital instead of waiting on net-30 to net-90 terms.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Your Company Qualifies For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
What Contractors Fund with It
Contracting cash flow is lumpy by nature. Funding keeps jobs moving between draws.
- Mobilizing a new jobMaterials, deposits and subs before the first draw.
- Payroll between drawsKeep crews working while payments are in process.
- EquipmentExcavators, lifts, tools and machinery.
- Bidding biggerThe working capital to take on larger contracts.
One Application, Every Option That Fits a Contractor
Amounts and timing depend on your file. SBA, equipment and receivables financing are also available through the same form.
Working Capital Loan
Short-term capital for payroll, inventory, materials or a slow stretch.
Invoice & Receivables Financing
Advance against invoices that are billed but unpaid, instead of waiting on net-30 to net-90 terms.
Equipment Financing
Finance the equipment you need, where the equipment itself is the collateral.
Business Line of Credit
Draw for predictable seasonal swings and redraw as you repay.
Established Businesses Qualify Fastest
Three things decide the menu of offers. None of them is a perfect credit score.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score. Lines of credit need 650+.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Contractor Business Funding for Builders and Trades
Materials, labor and bonding are paid before the draw clears. One application reaches a network of funders; decisions in 24–48 hours.
Contractor Business Loans
A business term loan gives your company a lump sum with payments over up to 3 years. Contractor business loans cover equipment, trucks, trailers and the materials deposit on a large bid. Business loans for contractors are sized to revenue, and your specialist shows the total cost before you sign.
Construction Business Loans
A construction business loan from our network looks at your monthly deposits rather than the property you are building on. Construction business loans fit general contractors, remodelers and specialty trades with a year in business and $20K or more in monthly revenue.
Business Loan for Construction Companies
A business loan for construction companies supports hiring, mobilization costs and the gap between pay applications. Construction company business loans and construction company business funding come with a dedicated specialist who explains each offer in plain terms.
Contractor Business Working Capital
Retainage and net-60 pay apps starve cash flow. Contractor business working capital and construction business working capital cover payroll, materials and fuel between draws, so your crews keep moving. Some products fund the same day you are approved.
Construction Business Line of Credit
A construction business line of credit lets you draw for materials, repay as pay apps clear and reuse the line on the next job. It is the flexible side of contractor business financing and pairs well with a term loan for equipment and vehicles.
Fast Contractor Business Loans
Fast contractor business loans put money in your account in as little as 24–48 hours after approval. Emergency contractor business funding and same day construction business loans are available on some products when a job cannot wait for a bank committee.
Straight Answers Before You Apply
What can contractor funding be used for?
Business operations: materials, payroll, subcontractors, equipment and jobs in progress. It’s working capital for your contracting company.
My GC pays net-60. Can I get funded on those invoices?
Yes. Receivables financing advances against invoices that are billed but unpaid, and your specialist compares it with a working capital loan so you can pick the cheaper fit.
My deposits swing a lot month to month. Is that a problem?
Not usually. Specialists look at the pattern across your statements, not one strong or weak month.
Can I get funding for a brand-new contracting company?
Not through this program. It’s built for companies with at least one year in business and $20,000+ in monthly revenue.
Can subcontractors get contractor business funding?
Yes. Contractor business funding is available to general contractors and subcontractors alike. Subcontractor business loans are sized to your deposits and time in business, not to who signed the prime contract. One application reaches a network of funders, and a soft credit check shows your options first.
Do general contractor business loans require collateral?
Most general contractor business loans in our network are based on monthly revenue rather than pledged equipment or real estate, so your machines stay unencumbered. Approval is never guaranteed, but one application brings back several offers to compare. Your specialist shows the total cost before you sign.
What is construction company business financing used for?
Construction company business financing covers equipment, vehicles, payroll, materials, bonding costs, software and expansion into new markets. There are no restrictions beyond keeping funds in the business. Many contractors pair a term loan with a line of credit for materials and payroll.
Is RAN Funding a lender for contractor business financing?
No. RAN Funding is a broker and ISO. We present one application for contractor business financing or construction business loans to a network of funders, and a dedicated specialist brings back offers and walks you through them. BBB A+ rated, 200+ reviews, serving contractors nationwide.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.