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Invoice Factoring · 2026

Contractor Invoice Factoring

Get paid now on invoices your customers haven't paid — advance the value, receive the rest on payment.

Short answer: Invoice factoring turns your unpaid invoices and progress billings into immediate cash — you advance a large share now and receive the rest, minus a fee, when your customer pays. Approval leans on your customers' credit, so contractors with strong GCs and owners can unlock cash tied up in receivables in days.

How contractor factoring works

Typical structure through Funded Contractor Capital.

StepWhat happensTiming
Submit invoiceSend an approved invoice / progress billSame day
AdvanceReceive most of the value up front1–2 days
Customer paysThey pay as normal30–90 days
Reserve releasedYou get the rest minus the feeOn payment

Why contractors choose us

  • Unlock cash already earned but unpaid
  • Approval leans on your customers' credit
  • Not new debt — you advance 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 contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

How much of the invoice can I get up front?
Advance rates commonly reach ~80–90% of value, with the rest released on payment.
Does my credit matter?
Less than usual — approval leans on the creditworthiness of the customers who owe you.
How fast can I get funded?
Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and bank-deposit consistency.

Turn invoices into cash now

Apply in 5 minutes. Stop waiting 60 days to get paid.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.