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.
We work with government contractors only. Most businesses can't get this — if you hold a government contract, you likely qualify.
Just won infrastructure or city work? Start-up costs come before the government's first check — we bridge that gap.
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.
We work the federal payer ecosystem by name: VA construction and EHRM infrastructure projects, National Cemetery Administration work, GSA Public Buildings task orders, Army Corps and Coast Guard waterfront jobs. Assignment of Claims mechanics, SDVOSB and 8(a) set-asides, progress billing — this is our daily lane, not a line on a menu. Veteran-owned firms are core to our practice.
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.
Out-of-state firm holding a New York award? We're your ground game.
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.
Three ways contractors bridge the payment gap:
Cash advances: money in 24 hours — at daily debits, personal guarantees, and rates that bury you. Satisfaction with these lenders just fell to 2% (Federal Reserve small business survey).
Bank lines: cheap — but sized for who you were, and 60–90 days of paperwork away.
Our way: funded in about 2 days, on the government's credit, no daily payments, no new debt — and in most placements the funding institution pays us, not you.
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.
If daily debits are eating your revenue and you're carrying government work, there's a way out most contractors never hear about: your government invoices can pay the advances off in one move — and replace them with financing on the government's credit at a fraction of the cost. No daily withdrawals. No credit check to see the math. That conversation is free and confidential: call or text (646) 801-5431.
Some contractors do the work, wait months, and end up filing liens or lawsuits just to collect what they earned. If that's been your reality on public or private construction work, know this: the fight over yesterday's invoice doesn't have to be the plan for tomorrow's. On everything else you're owed — and every job you win next — we get you paid in 2 days on the payer's credit, so it never gets to lien paperwork again. No credit check, and the funding company pays us. See your number: call or text (646) 801-5431.
Two ways we help
The free way: your government invoices become 2-day cash — the funding company pays us, you pay nothing.
The complete way: a flat-fee capital plan ($10,000) — what you can borrow today, what you'll qualify for next year, how your bonding grows. On paper, yours to keep.
Firms growing fast take both.
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.
Surety agents & bond producers — send us your declines; a contractor declined on working capital isn't a dead file, and the repaired file comes back to you for the bond.
CPAs & accountants — your clients who win faster than they collect: we fix the timing your ledger can't.
Payroll companies — the clients struggling to fund Friday are accounts you're about to lose; we're free retention.
Community lenders & loan funds — when a borrower's too big, too federal, or too urgent for your box, send them over; your right-fit borrowers hear your name from us.
Small-Business Development Officers — APEX Accelerator counselors, M/WBE program officers, SBA 8(a) business-opportunity specialists, mentor-protégé managers: you're required to develop these firms — and you can't provide capital. We're the referral you can't make internally, and we report back on every file. No fees between us in any direction.
No fees between us in any direction — files for files, everything documented.
Our desk currently tracks $215M+ in active New York government awards — refreshed weekly from federal, city, and state records. When we call a contractor, we already know their book.