Government Contractors
Bridge the gap between contract award and first payment. Fund mobilization, make payroll, and take on larger contracts without tying up every dollar you have.
Capital that understands Assignment of Claims, retainage, and government payment cycles.
The challenge
You competed, you won, and now the real test begins. The government is the most reliable payer you will ever have, and one of the slowest to start paying.
Mobilization costs arrive the week of award: bonding, insurance, staffing, equipment, materials. Your first invoice may not go out for 30, 60, or 90 days, and it only gets paid after acceptance, invoice processing, and every line of paperwork clears.
The contract is solid. The payer is certain. The timing is the problem.
Your Costs Start at Award
Your Revenue Comes Later
The result
You hold the strongest receivable in the market, money owed by the government, and still struggle to make payroll, fund mobilization, or say yes to the next award. Growth stalls not because you can't win work, but because you can't float it.
Sound familiar?
The award is signed, but mobilization requires staffing, equipment, and materials weeks before your first invoice is even submitted.
Your team gets paid every two weeks. The government pays 30-90 days after invoice acceptance, and certified payroll requirements leave no room for delay.
Solution Invoice factoring converts submitted government invoices into immediate cash for reliable payroll.
5-10% of every payment is held back for the life of the project, capital you earned but cannot use.
Several concurrent task orders each carry their own mobilization, delivery, and payment schedule. Cash is committed everywhere at once.
The government paid the prime, but your subcontract payment arrives on the prime's schedule, 45 days or more after your work is done.
Performance requires machinery or vehicles you'd rather not buy with the working capital you need for mobilization.
The toolkit
Government receivables are excellent collateral, when your financing partner understands how they actually pay. These are the tools we deploy for contractors, individually or in combination.
Purpose-built funding that guarantees payroll lands on time, every time, while government payments catch up. Common for staffing-heavy service contracts.
Learn moreAcquire the equipment a contract requires without draining mobilization capital. Terms align with contract length and equipment life.
Learn moreIn practice
Federal Equipment Supplier
Defense Subcontractor
Federal IT Services
State Construction Contractor
Tell us about your contracts and agencies and we'll come back with real numbers: facility size, advance rates, and timeline, AoC filing included.
Same-day preliminary answer
The difference
A submitted invoice is only the beginning. Acceptance, invoice review, and payment processing each add time, and a lender who expects Net 30 behavior will misjudge your cash position. We underwrite to the real cycle.
Financing government receivables runs through the federal Assignment of Claims process, specific forms, filings, and contracting officer coordination. We handle AoC paperwork routinely, so setup is measured in days, not months.
Holding back 5-10% of every payment until final completion is standard government practice. Most lenders ignore retainage entirely. We advance 70-85% against it, because you already earned it.
Certified payroll, prevailing wage, audit trails, and reporting requirements consume cash and attention regardless of when payment arrives. Financing has to fund the compliance burden, not just the direct work.
Government receivables are among the strongest collateral there is. We qualify you primarily on your contracts and the government's obligation to pay, not on your credit score or years of bank-perfect financials.
Who we serve
Direct contract holders across civilian and defense agencies, from first-time awardees to established primes managing multiple vehicles.
Common needs Mobilization funding, invoice factoring, retainage advances
Companies performing under a prime contractor's schedule, paid on the prime's terms rather than the government's.
Common needs Invoice factoring, payroll funding
Product and service suppliers fulfilling schedule orders that often require supplier payment before delivery and invoicing.
Common needs Purchase order financing, invoice factoring
Manufacturers and service providers on DoD contracts with long performance periods, retainage, and strict compliance requirements.
Common needs AR financing, retainage advances, equipment financing
Contractors on state, county, and municipal work, public works, services, and supply, where payment cycles rival federal timelines.
Common needs Mobilization funding, progress payment factoring, retainage advances
Getting started
We'll discuss your contracts, agencies, payment history, and what you're trying to accomplish, mobilization, payroll, retainage, or growth.
Provide your contract or award documentation, invoicing terms, and receivables detail. We evaluate the government's obligation, not your credit score.
We prepare and file the AoC paperwork and coordinate with your contracting officer where required. You keep performing. We handle the forms.
Clear terms showing exactly what you'll receive, what it costs, and how funds flow. Plain language, no surprises.
Mobilization funding, invoice advances, or retainage release, funds move as soon as the facility is live.
Typical timeline: 5-10 business days from initial contact to first funding for most government contractors
Common questions
Yes, and that's normal. The Assignment of Claims process formally notifies the government to remit payment to the financing account. AoC has been standard federal practice for decades. Contracting officers process these filings routinely, and using financing signals capacity, not weakness.
The Assignment of Claims Act allows contract payments to be assigned to a financing institution. It requires specific forms and filings with your contracting officer and payment office. We prepare and manage the entire filing, it is part of the service, not your homework.
Yes. Subcontractor receivables from creditworthy primes are financeable through invoice factoring, no AoC required, since your customer is the prime, not the government. Your prime's payment reliability matters more than your own credit.
The government holds 5-10% of each payment until final completion. We advance 70-85% against that held retainage, so capital you've already earned goes back to work before closeout. The advance retires when retainage is released.
Yes. Mobilization funding is advanced against the awarded contract itself, before your first invoice. That's typically in place within 5-10 business days of initial contact, including AoC filing.
It usually helps. Sureties want to see adequate working capital, and a financing facility that keeps cash flow stable strengthens your bonding position. We coordinate with your surety when structure matters.
Federal civilian and defense agencies, GSA schedule orders, and state, county, and municipal contracts. If a government entity in the United States owes you money under a contract, we can likely finance it.
Common, and usually irrelevant. Banks underwrite your balance sheet and credit history. We underwrite the government's obligation to pay you. Strong contracts qualify you even when bank credit isn't available.
Progress payments, retainage, and mobilization pressures mirror public works contracting, with or without a government payer.
Learn moreProduction costs land months before payment, especially on defense and federal supply contracts.
Learn moreWeekly payroll against slow-paying clients defines staffing economics, government service contracts amplify it.
Learn moreYou've already done the hard part, winning the work. Whether you need mobilization funding, reliable payroll, or your retainage back in play, let's review your contracts and put the right facility in place.
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