Advance cash against your unpaid invoices and progress billings — approval leans on your bank deposits, decisions land in about 4 to 24 hours, and funding often hits the same or next business day.
Apply Now →Construction invoice factoring lets a licensed contractor convert unpaid invoices and receivables into cash now instead of waiting 30, 60, or 90 days for a general contractor or owner to release payment. At Contractor Capital Advance we advance a lump sum against the deposits your business already generates, so a stack of outstanding progress billings becomes payroll, material money, and mobilization capital the same or next business day. We advance from $25,000 to $5,000,000, we weigh your bank deposits and revenue far more heavily than your credit score, and we consider all credit. Most contractors get a decision in roughly 4 to 24 hours after we see recent bank statements — no liens on the job, no phone tag, apply and get an answer.
Contractors get paid on a lag the rest of the economy never sees. You front the labor, the lumber, the concrete, and the equipment rental, then you wait for the draw to clear, the retainage to release, or the GC to sign off on the pay application. Invoice factoring closes that gap. You send us the receivables tied to work already performed, we advance a large share of that value up front, and you keep building instead of chasing checks.
Here is the part that matters for a trade business: we do not underwrite this like a bank loan. We look at the deposits landing in your business checking account, the volume and consistency of your revenue, and the receivables backing your request. That deposit history tells us more about a roofing, electrical, HVAC, framing, or site-work company than a personal FICO number ever could. Recent bank statements are usually the heart of the file.
A licensed contractor with steady deposits and a slow-paying customer is not a credit risk — that contractor has a timing problem. So we underwrite the timing, not the credit report. When your statements show consistent revenue moving through the account, that is the strongest signal we have that your business is real, active, and capable of carrying an advance against its receivables.
All credit is considered. A tax lien from a lean year, a past bankruptcy, a thin or bruised personal score — none of those automatically end the conversation, because they are not what we key on. We have funded contractors who assumed no one would touch them because their credit told a story that had nothing to do with the $80,000 in signed pay applications sitting in their office. Deposits first, everything else in context.
Speed is the entire point of factoring, so we built the process around it. Apply with a short application and your most recent business bank statements. Once we can review the deposits and the receivables, most contractors have a decision in about 4 to 24 hours. When it fits, funding often reaches your account the same day or the next business day.
That timeline exists because payroll does not wait, a material supplier will not release the order on a promise, and a crew standing on a job you cannot fund is money bleeding out by the hour. We move at the speed a jobsite actually runs. We never guarantee approval or funding — but when the file is clean, few things in construction finance move faster.
If the money is owed to your business for work you have already done or materials you have already supplied, it is usually factorable. Contractors bring us a wide mix of receivables:
Advances run from $25,000 to $5,000,000, sized to your deposit volume and the receivables behind the request. Whether you are a two-truck electrical shop or a site-work outfit running multiple crews across a metro, the structure scales to the business the statements show.
Every file is priced on its own deposits, receivables, and terms, so the figures below are an illustration only — not a quote or an offer. They show how the pieces fit together for a mid-size trade contractor waiting on slow draws.
| Contractor scenario | Outstanding receivables | Monthly bank deposits | Example advance | Decision window |
|---|---|---|---|---|
| Commercial electrical sub | $120,000 | $95,000 | $85,000 | ~6 hours |
| Site-work / excavation | $310,000 | $180,000 | $250,000 | ~12 hours |
| Roofing & exteriors | $60,000 | $70,000 | $50,000 | ~4 hours |
| Mechanical / HVAC GC | $900,000 | $420,000 | $650,000 | ~24 hours |
Notice the advance tracks the deposits as closely as the invoice total. That is deposit-based underwriting in practice.
The alternative to factoring is doing what most contractors do: floating the job on personal savings, maxed cards, and supplier patience until the payment finally clears. That works until it doesn't — until a second job overlaps the first, or a GC pushes a 45-day term to 75, and suddenly the business that is technically profitable cannot make Friday's payroll.
Factoring trades a slice of the invoice for certainty and speed. You stop underwriting your own customers' payment habits with your household finances. You bid the next job knowing you can staff and supply it. And because we key on deposits, the businesses that need this most — the ones growing faster than their receivables clear — are exactly the ones our process is built for.
No. We weigh your business bank deposits and revenue far more than your credit score, and all credit is considered. A tax lien, a past bankruptcy, or a bruised personal score does not automatically end the conversation — the deposits moving through your account carry the most weight.
Most contractors get a decision in about 4 to 24 hours after we review recent bank statements, and funding often reaches the account the same or next business day. We never guarantee timing, but a clean file moves quickly.
Advances range from $25,000 to $5,000,000. The amount is sized to your deposit volume and the receivables behind the request, so the figure tracks both the invoices and the revenue your statements show.
A short application and your most recent business bank statements. The deposits in those statements are the heart of the file. There is no phone requirement — apply online and get an answer.
Progress billings, pay applications, completed-work invoices to GCs and owners, subcontractor invoices, change-order billings, and materials invoices. If your business is owed money for work already performed or materials already supplied, it is usually factorable.
No. We never guarantee approval or funding. What we can say is that we underwrite on deposits rather than credit, we consider all credit, and when the file is clean we move fast — often a decision within a day and funding the same or next business day.
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