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.
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).
Upfront capital to cover bonds, equipment moves, initial materials, and the first payroll cycles before the first progress payment lands.
Revolving line sized against your open contract backlog. Draw between AIA billings, repay when the municipality pays.
Cover supplier and subcontractor costs on a specific awarded contract you couldn't otherwise fund. We pay the vendors; contract proceeds repay us.
Unlock retainage that's been earned but is contractually held until substantial completion. Cash today against the retainage receivable.
Finance skid steers, dump trucks, pavers, generators, and specialty equipment with 100% financing and terms up to 60 months.
Every industry has its own cash-flow shape. We built products that fit yours.
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.
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 held on 20+ projects can equal a full quarter of profit sitting on someone else's balance sheet. We advance against it.
