Construction and Contractors Invoice Factoring

Cash flow in construction can be unpredictable. Contractors often wait 30, 60, or even 90 days to get paid, making payroll, materials, fuel, and subcontractor expenses difficult to manage. Our invoice factoring for contractors gives you access to fast working capital by converting unpaid invoices into immediate cash, helping you keep every project moving without delays.

Construction and Contractors Invoice Factoring

Our factoring programs are designed for the unique payment structure of the construction field. Instead of waiting for slow-paying clients or navigating complex draw schedules, you get paid as soon as invoices are submitted. Whether you’re handling framing, electrical, plumbing, concrete, roofing, HVAC, or full-site development, we streamline payments so you can focus on project performance—not payment delays.

Unlike traditional bank lending, guaranteed construction invoice factoring evaluates your client’s credit strength rather than requiring perfect credit from you. This gives more contractors access to the capital they need to purchase materials, pay crews, rent equipment, and take on larger jobs without financial strain.

Minimum Requirements for Construction Invoice Factoring

Most contractors only need to meet the following guidelines:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Construction & Contractor Invoice Factoring Options

Progress-Billing Factoring for Contractors

Progress-billing factoring is designed for contractors who bill clients according to project milestones or percentage-of-completion schedules. Instead of waiting weeks or months for client approvals, inspections, or draw releases, this service lets you access a large portion of the invoice value immediately.

General Contractor Invoice Factoring

General contractors managing multiple subcontractors often experience cash flow gaps between paying crews and waiting for property owners or developers to release funds. This option advances cash based on outstanding invoices so you can cover labor, equipment rentals, insurance, safety compliance costs, permits, and job-site expenses.

Subcontractor Factoring for Specialty Trades

Electricians, plumbers, roofers, masons, HVAC contractors, painters, and landscapers face delays waiting for general contractors to pay. Subcontractor invoice factoring helps reduce those delays by converting open invoices into fast working capital. This keeps your crews working, helps you purchase materials as needed, and allows you to manage multiple projects at once without waiting on slow pay cycles.

Fast Construction Invoice Factoring for Material Costs

Projects that rely heavily on materials concrete, steel, lumber, framing, wiring, fixtures, or rental tools require upfront capital to stay productive.
Fast material-cost factoring provides same-week access to funds so you can purchase essential items without waiting on slow invoice payments.

Guaranteed Construction Invoice Factoring Programs

For contractors who require maximum certainty, guaranteed construction invoice factoring offers predictable funding, transparent fees, fixed advance rates, and priority processing. This option is ideal for growing firms taking on larger commercial projects, public contracts, or long-duration builds that require stable, reliable capital flow.

Construction Invoice Factoring Services

Every construction business operates differently from solo contractors and small trade crews to full-service general contracting companies. Our factoring services are tailored to your billing structure, project deadlines, and cash-flow needs. We support residential, commercial, municipal, and industrial contractors with streamlined onboarding and flexible advance rates.

You’ll receive transparent pricing, fast decisions, and funding aligned with your job schedules. Whether you are starting new projects, covering payroll, buying materials, or expanding your service area, our construction invoice factoring services keep your business supplied and your crews working.

Who We Serve

Frequently Asked Questions

What is the process for getting construction invoice factoring?

You submit a short application and copies of your unpaid invoices. We review your client’s payment history, your revenue, and project details. Once approved, you receive an offer outlining advance rates and fees. After acceptance, funds are quickly released based on the value of your invoices.

How long are the repayment terms for contractor factoring?

There are no traditional “terms” like a loan the invoice is repaid once your client pays. Most construction invoice factoring transactions complete within 30–90 days, depending on your customer’s payment schedule.

Can I apply with low personal credit?

Yes. Construction invoice factoring is based more on your customer’s credit than yours. Even contractors with lower scores can qualify if they work with reliable, creditworthy clients.

What are the eligibility requirements for construction invoice factoring?

You should have active projects, outstanding invoices for completed work or approved progress billing, at least 5 months in business, $10,000 monthly revenue, and 51% ownership. Basic documents such as invoices, contracts, or proof of work completed may be required.

Construction and Contractors Invoice Factoring