We get government contractors paid in 2 days instead of 60 — approval rides on the government's credit, not yours. Federal, state, city, and major-GC work. No credit check to see your number, and in most cases the funding institution pays us — not you.
No credit check to look · Every number in writing · We never touch your money
Firm-fixed-price and T&M awards across defense, VA, GSA, and civilian agencies. Invoices paid under the Assignment of Claims Act.
MTA, Port Authority, school construction authorities, DOTs, counties, and school districts — plus NYC agency work: DDC, DEP, Parks, DOT, FDNY. Contract registration, inspections, and retainage often make the city slower to pay than the federal government. That's the problem we exist for.
Pay-when-paid and retainage shouldn't set your payroll schedule. We finance against the GC's credit, not yours.
Hospital systems, universities, and large nonprofits: strong payers, slow cycles, same solution.
A contractor whose cash is trapped in receivables carries a suppressed bonding line and passes on work they could win. Right now you can bond a certain size job — that's not a reflection of how good you are, it's a reflection of where your cash is sitting. Free up the receivables and your capacity re-rates. The difference is the work you're bidding versus the work you're watching.
Public work has its own clock: contract registration through the Comptroller, inspection sign-offs, five percent retainage, and pay-when-paid chains under authority GCs. We finance against the government's credit so none of that sets your payroll schedule. Job-order contracts and on-call task-order work fit especially well — every task order is a new invoice against the same strong payer, and the facility grows with the book.
Awarded-contract invoices — federal, state, city, and authority — converted to cash in 24–48 hours instead of the payer's queue. Non-recourse options. The entry product for subs and first-time awardees.
Start-up money — materials, suppliers, crews — before your first invoice even exists — the award-to-first-payment stretch.
Contract-specific lines of credit and SBA working-capital facilities as your billing history seasons.
Trucks, trailers, machinery, and IT hardware financed against contract revenue — programs exist for newer companies where the story is the award, not the credit file.
For primes and GCs: a sub that can't mobilize is your schedule risk. We get your subs paid — at zero cost to you.
For primes on multi-year awards: the complete structure — step-down financing map, bonding capacity design, treasury structure — engineered around your contract portfolio. Engagements from $10,000.
Factoring to contract line of credit to SBA CAPLine to a conventional bank line — a climbable sequence on a knowable timeline. Every client gets mapped onto it at intake, and every step down the cost curve is planned from day one.
Your bank underwrites your balance sheet. A factor underwrites your customer's. That one sentence explains the last two years of "no."
We learn the contract, the billing structure, and where the pressure actually sits. No forms first.
Two pages. No credit pull, no Social Security numbers — identity documents go only to the funding institution's secure application.
We place your file with the best-fit institution on our bench, and that institution issues its written proposal to you directly — complete files typically see numbers in 24–48 hours.
Every number comes to you in writing from the funding institution itself before anything moves. You've committed to nothing until you sign with the funder. In most placements our compensation is paid by the funding institution — not by you.
You talk to the principal — not a call center. Calls and texts answered directly.
Every number arrives in writing from the funding institution itself before you decide anything.
We never touch your money. Funds move directly between you and the funder — we're the advisor, not the middle account.
A contractor declined for bonding on working capital isn't a dead file. We finance the receivables; you write the bond. We also work alongside supplier-diversity offices, APEX Accelerators, and trade associations to get their contractors mobilized. Referral relationships are documented and disclosed — always.