Capital between mobilization and payment.
Municipal, state, and federal contracts pay slow — Net-45, Net-60, sometimes longer. Retainage sits for months after completion. We fund the gap so payroll, materials, and mobilization never wait on a check from City Hall.
Options built for how you actually get paid.
Government Receivables Factoring
Sell approved invoices from federal, state, or municipal buyers and get up to 90% advanced within days of assignment (subject to Assignment of Claims Act filing for federal contracts).
- Advance rates 80–90% of invoice face
- Notice of Assignment required for federal work
- No collateral beyond the receivable
Mobilization Financing
Upfront capital to cover bonds, equipment moves, initial materials, and the first payroll cycles before the first progress payment lands.
- Funded against the awarded contract value
- Repaid from early progress draws
- Coordinates with surety and bank
Progress-Payment Gap Line
Revolving line sized against your open contract backlog. Draw between AIA billings, repay when the municipality pays.
- Advances against certified pay applications
- Weekly reporting on job costs and backlog
- Springing covenants only
Purchase Order Financing
Cover supplier and subcontractor costs on a specific awarded contract you couldn't otherwise fund. We pay the vendors; contract proceeds repay us.
- Enables you to take on larger jobs
- Priced per transaction, not term
- Requires signed contract and pay schedule
Retainage Advance
Unlock retainage that's been earned but is contractually held until substantial completion. Cash today against the retainage receivable.
- Frees 5–10% of every contract that's currently frozen
- Advance against certified retainage balance
- Repays on retainage release
Equipment Financing
Finance skid steers, dump trucks, pavers, generators, and specialty equipment with 100% financing and terms up to 60 months.
- Equipment itself is the collateral
- Fixed monthly payments
- Section 179 eligible
Why traditional banks say no.
Payment cycles you can't negotiate
Municipal payment terms are dictated, not negotiated. Net-45 is a good day. Our facilities are priced against those cycles, not against a fantasy 30-day AR.
Bonding capacity eats liquidity
Every awarded contract locks up cash the surety wants to see. Factoring and PO finance sit outside the bonding line so you don't compete with your own bonding capacity.
Retainage is dead money
Retainage held on 20+ projects can equal a full quarter of profit sitting on someone else's balance sheet. We advance against it.
Ready to move?
Apply for a capital facility in 60 seconds. No hard credit pull for initial pre-approval.