Business financing
Invoice Factoring for Construction
Unlock the cash tied up in unpaid invoices and stop waiting 30, 60, or 90 days to get paid. Working capital and equipment financing to mobilize on new contracts — before client payments arrive. Construction cash flow is notoriously uneven, and we structure funding around how the industry actually operates.
- Amount
- Up to 90% advance
- Speed
- As fast as 24 hours
- Repayment
- Settled when customers pay
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What you can fund
How Construction put Invoice Factoring to work
Equipment & machinery
Finance excavators, lifts, trucks, or specialized tools to take on larger jobs.
Materials & subs
Cover lumber, steel, concrete, and subcontractor invoices before your first draw.
Payroll between draws
Keep your crew paid consistently even when draw schedules create gaps.
Bonding & bids
Meet working-capital requirements to qualify for larger public or commercial contracts.
Why choose it
Why Invoice Factoring fits Construction
Cash from receivables
Unlock up to 90% of an invoice's value the day you submit it rather than waiting on net terms.
Scales with your sales
The more you invoice, the more cash you can access, with no fixed ceiling tied to billing volume.
No new debt on the books
You're advancing money you've already earned, not taking on a balance to repay yourself.
Faster cash conversion
Shorten the gap between delivering work and getting paid so you can keep operating.
Best fit
A strong fit when you're
- B2B businesses that invoice on net terms
- Staffing, freight, and wholesale companies
- Owners waiting 30 to 90 days to get paid
- Growing businesses with reliable customers
Questions
Common questions
How does factoring work?
You submit an unpaid invoice and we advance up to 90% of its value right away. When your customer pays, we release the remaining balance to you, less a small factoring fee.
Is this a loan?
No. You're selling your unpaid invoices for early access to cash you've already earned, so unlike a bank loan there's no new debt added to your balance sheet.
How much can I advance?
Advance rates run up to about 90% of each invoice's face value, depending on your industry and the creditworthiness of your customers.
How fast can I get funded?
Once your account is set up, approved invoices can be advanced in as little as 24 hours.
See what you qualify for.
Apply in minutes and see what your business qualifies for — no obligation, no impact to your credit.