Why big wins strain cash
The bigger the contract, the bigger the hole before the first payment. You hire, you buy, you ship, and the client pays net 30, net 60 or on milestone. Banks see the risk and slow-walk it. Owners with less-than-perfect credit often hear a flat no. Saying no to the job is the expensive option.
Match the product to the job
| Contract need | Common fit |
|---|---|
| Payroll and materials up front | Working capital |
| Costs that arrive in waves | Line of credit |
| New machine the job requires | Equipment financing |
| Strong card sales funding the ramp | Merchant cash advance |
Example: a commercial cleaning crew
For illustration: a cleaning company doing $110K a month lands a three-building office contract. It needs eight more staff, supplies and a second van before the first invoice clears. The owner requests enough to carry two payroll cycles and gear, then repays from the new contract revenue. The math has to work on your current statements, not just the promised check.
What reviewers look at
- About three months of business bank statements
- Consistent deposits, ideally $60K or more a month
- FICO 500 and up considered
- The contract itself can help tell the story
No tax returns required. Sole proprietors can apply. See what funders look at for the full picture.
Timing that fits a start date
The application takes about five minutes and starts with a soft credit pull. Qualified businesses can be funded in as little as 24 hours, so you can line up money before mobilization day. Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000. Apply here once the contract is signed or close to it.
Do not overreach
Size the request to the gap between your costs and the first payment, plus a buffer for a slow-paying client. Taking more than the job needs makes repayment heavier on your existing revenue. And keep credit repair separate: it is a different service at Lucky Credit Pros and is not part of getting funded.
Frequently asked questions
Do I need the signed contract to apply?
Approval is based mainly on your current revenue, so you can apply before signing. Having the contract helps explain why you are asking and how much.
Can I use this for a government or municipal job?
Many owners use working capital to start public-sector work, which often pays slowly. Review is still based on your business bank statements.
What if the client pays late?
Plan for it. Build a cushion into the request and choose a product whose repayment fits your existing deposits, not just the contract payments.
Is there a limit on how big the contract can be?
Funding ranges from $25,000 to $5,000,000. The amount offered depends on your revenue history, not only on the size of the contract.
I am a sole proprietor. Can I still apply?
Yes. Sole proprietors can apply. Bring about three months of business bank statements.
Can I apply for a second contract while the first is running?
Yes. Each request is reviewed on your current deposits, so a growing business with steady revenue can come back as new work lands.