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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Invoice Factoring · 2026

Construction Invoice Factoring — Get Paid Now on Slow Invoices

Waiting 30, 60, or 90 days to get paid? Factor your outstanding invoices and progress billings into cash you can use today.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Constructionspecialist
No collateralfor working capital

See how much your construction business qualifies for

$25K to $5M in revenue-based capital for construction — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

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Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Invoice factoring turns your unpaid construction invoices and progress billings into immediate cash — you advance a large share of the invoice value now and receive the rest (minus a fee) when your customer pays. Approval leans on your customers' credit, not just yours, so contractors with slow-paying GCs or owners can unlock cash tied up in receivables within days.

How construction factoring works

Typical 2026 structure through Construction Capital Advance. Advance rates and fees vary by customer credit and invoice age.

StepWhat happensTiming
1. Submit invoiceYou send an approved invoice or progress billingSame day
2. AdvanceYou receive a large share of the value up front1–2 days
3. Customer paysYour customer pays the invoice as normal30–90 days
4. Reserve releasedYou get the remainder minus the factoring feeOn payment

Why contractors factor invoices

  • Unlock cash already earned but not yet paid
  • Approval leans on your customers' credit
  • No new debt — you're advancing your own receivables
  • Funds in days, not the 30-90 day wait
  • Scales as your billings grow
  • Keeps payroll and materials moving

What you need to apply

  • US-based construction or contracting business
  • Invoices to creditworthy commercial customers
  • Completed or progress-billed work
  • A valid EIN and business bank account
  • Recent invoicing / AR aging

Frequently asked questions

What is construction invoice factoring?
It's a way to get paid now on invoices your customers haven't paid yet. You advance most of the invoice value immediately and receive the balance, minus a fee, when the customer pays.
How much of the invoice can I get up front?
Advance rates commonly reach around 80-90% of the invoice value, with the rest released when your customer pays. The exact rate depends on the customer's credit and the invoice.
Is factoring a loan?
No. You're advancing money you've already earned on your own receivables, so it isn't new debt on your balance sheet the way a loan is.
Does my credit matter?
Less than usual — approval leans heavily on the creditworthiness of the customers who owe you, which helps contractors with strong clients but weaker personal credit.
How fast can I get funded?
Once set up, invoice advances typically fund within 1-2 business days of submitting an approved invoice.

Turn invoices into cash now

Apply in 5 minutes. Stop waiting 60 days to get paid on work you've already done.

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Advance rates, fees, and figures shown are typical 2026 industry ranges and vary by customer credit and underwriting; actual terms are set at application. Factoring is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose us

Fast revenue-based capital that fits construction cash-flow gaps — draws, retainage, mobilization, equipment.

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Built for construction

GCs, subs, and every trade — grading, demolition, concrete, roofing, framing, and more.

⚡

Funded in 24 hours

Fund a draw gap, buy materials, or make payroll — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your construction business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute