Small Business Loans for Contractors: What Lenders Read Before They Say Yes

by Tim Framer | Sep 6, 2026 | Working Capital & Credit

TLDR: Lenders approve contractors on four inputs: your bank deposits, your time in business, your receivables and your credit file. Federal Reserve data shows which lender types approve the most applicants and which reasons sink a file. Fix your weakest input, then...

Business Credit for Contractors: Building a File Lenders Trust

by Tim Framer | Sep 6, 2026 | Working Capital & Credit

TLDR: Business credit for contractors is a company-level file built on your legal entity, your supplier trade lines, your payment record and the liens filed against your business name. Funders read that file next to your bank deposits, not instead of them, so a thin...