Construction cash flow in New York
Progress billing, retainage and pay-when-paid clauses leave subcontractors carrying labor and materials for months. New York's economy — built on New York City's fashion, media, staffing and import trade — depends on reliable construction providers.
Construction factoring advances against approved progress billings so you can staff and supply the next phase. We serve construction companies from Albany to every NY city, entirely online and by phone.
Because construction customers in New York typically pay in 45–90 days, often with retainage, approval rests on their credit rather than yours. That is what lets newer NY operators finance the same invoices as established firms.
Where New York construction companies put the funding
- Materials
- Crew payroll
- Bonding capacity
- Bidding larger jobs
Who qualifies
- B2B or B2G invoices for completed work
- Customers with acceptable payment history
- Business registered in the United States
- Invoices free of other liens or able to be subordinated
What New York businesses need to apply
Applying takes about ten minutes. Most New York companies already have everything on this list, and nothing here affects your personal credit score.
- An accounts receivable aging report
- The invoices you want to factor, with proof of delivery or completion
- A customer list with contact details for verification
- Articles of incorporation and your EIN
- A voided business check and photo ID for each owner
