Starting a contractor business requires far less capital than most people think. Tools, license, insurance, and a few free digital tools are the foundation. Here's what you actually need.
The Minimum Viable Contractor Business
License and insurance (non-negotiable): Your trade license (if required by state) and general liability insurance. These are your real startup costs — don't skip them.
Tools: Start with what you already own or can buy used. Don't finance expensive new equipment before you have work to pay for it.
Free digital presence:
- Google Business Profile — free, takes 15 minutes to set up
- TimeFotos free listing — your business in the city directory at
/l/[yourcity]/businesses. Free, indexed, available today. - A phone number dedicated to the business (or a free Google Voice number)
Create your free contractor listing →
Getting First Jobs Without a Marketing Budget
- Tell everyone you know — personal network, neighbors, former employers, family
- Subcontract for established contractors — get paid experience and referrals
- Post on your local marketplace —
/l/[yourcity]/marketplaceto post services
Don't Wait for "Ready"
Many people delay starting because they want a website, branded trucks, or professional materials. None of those are required. A license, insurance, a free listing, and the willingness to show up and do good work is the foundation.
Bottom Line
Start a contractor business with: trade license, insurance, free Google Business Profile, and a free TimeFotos listing. Get first jobs from your network and local marketplace. Add paid tools when the work demands it.