How fast can a government contractors business get funded?

Most applicants are approved within 2–3 business days. Once the account is live, invoices are funded 24–48 hours after approval.

Typically 0.75%–3% per 30 days, with 80%–95% of invoice value advanced. Your rate depends on monthly volume, your customers' credit and how quickly they pay — not on your industry alone.

Can new government contractors companies qualify?

Yes. You sell to other businesses or government agencies (B2B / B2G) Time in business matters far less than the strength of the customers you invoice, so startups and newly formed entities are regularly approved.

What do gov contracting companies use the funding for?

Most commonly contract mobilization, cleared-staff payroll, supplies & equipment. It is working capital, so there is no restriction on how you deploy it.

Do I have to finance every invoice?

No. You can finance a single invoice, a single customer, or your whole ledger. Full-ledger programs carry a lower rate in exchange for a term and a monthly minimum; both options are quoted side by side.

Industry program

Government Contractors Financing

Government receivables financing advances against approved agency invoices, with Assignment of Claims support.

Contract mobilization
Cleared-staff payroll
Supplies & equipment
Bidding new awards

Advance: 80%–95% of invoice value
Customer terms: 30–90 days from federal, state and local agencies
Funding: 24–48 hours after approval

The cash-flow challenge in gov contracting

Agencies are reliable but slow payers, and new contract awards require immediate staffing and supplies.

Customers in this sector typically pay in 30–90 days from federal, state and local agencies. That gap is not a sign of a badly run business — it is simply how the sector trades, and it is why so many gov contracting companies hit a ceiling that has nothing to do with demand.

How accounts receivable financing solves it

Government receivables financing advances against approved agency invoices, with Assignment of Claims support.

Because approval is based mainly on the credit strength of your customers rather than your own balance sheet, AR financing is available to young companies, fast-growing companies and businesses that don't fit a bank's lending box.

Because approval rests on your customers' creditworthiness rather than your own balance sheet, newer gov contracting companies and those rebuilding credit qualify on the same basis as established firms. Facilities run from $25,000 to $25 million and grow as your invoicing grows.

What gov contracting clients use funding for

Contract mobilization
Cleared-staff payroll
Supplies & equipment
Bidding new awards

Who qualifies

You sell to other businesses or government agencies (B2B / B2G)
Invoices are for completed work or delivered goods
Customers have reasonable commercial credit
No unresolved tax liens that prevent a first-position UCC filing

What Gov Contracting businesses need to apply

Applying takes about ten minutes. Most Gov Contracting companies already have everything on this list, and nothing here affects your personal credit score.

An accounts receivable aging report
A sample invoice and the matching purchase order or contract
A list of the customers you want to finance
Articles of incorporation and your EIN
A voided business check and photo ID for each owner

Why it pays to move now

The cost of waiting is rarely just interest. It is the contract you could not staff, the order you could not fill and the supplier discount you could not take. Accounts Receivable Financing converts work you have already delivered into cash you can deploy this week.

At a glance

Recommended	Accounts Receivable Financing
Typical customer terms	30–90 days from federal, state and local agencies
Advance	80%–95% of invoice value
Cost	0.75%–3% per 30 days
Funding	24–48 hours after approval
Coverage	All 50 states

Talk to a funding advisor

Find out what you qualify for

A short conversation is enough to size a facility. No obligation, and no impact on your credit.

(929) 658-8087

Mon–Fri 8am–7pm ET

Worked example

What gov contracting financing actually costs

A $100,000 invoice financed at a 90% advance and 1.5% per 30 days, paid by the customer on day 30.

Illustrative figures. Your advance rate and fee are confirmed in a written term sheet before you sign anything.

Invoice amount	$100,000
Advance rate	90%
Paid to you upfront	$90,000
Fee at 1.5% for 30 days	$1,500
Reserve released on payment	$8,500

You receive $98,500 of the $100,000 invoice, at a total cost of $1,500.

Gov Contracting scenario

Federal contractor mobilizes a new award

Challenge: A services award required cleared staff on site within 30 days.
Solution: Government receivables financing with Assignment of Claims.
Outcome: Mobilized on schedule and funded payroll through the agency's 45-day cycle.

Illustrative example based on a typical client situation, not a specific named client.

See the program

Compare your options

AR Financing or PO Financing for gov contracting?

Both turn future customer payments into cash today. They differ in when they apply, what they fund and what they cost.

	AR Financing	PO Financing
Advance	80%–95% of invoice value	Up to 100% of supplier costs
Typical cost	0.75%–3% per 30 days	1.5%–6% per 30 days
Funding speed	24–48 hours after approval	5–10 business days for first deal
Best for	B2B companies with creditworthy customers on 30–90 day terms	Distributors, wholesalers, importers and resellers with confirmed POs

Read the full comparison

How it works

From application to funding in three steps

Apply in 10 minutes

Share basic company info and a recent AR aging or purchase order.

Approval in 24–72 hours

We verify your customers and send a clear term sheet — every fee disclosed.

Funded by wire or ACH

Receive your advance, typically within 24 hours of submitting invoices.

Before you sign

Choosing a Government Contract Factoring Company

How government contractors should evaluate a funder — Assignment of Claims capability, federal versus state and local differences, prime versus subcontractor position, invoicing and acceptance systems, mobilization funding and cleared-staff payroll.

Read the guide

Gov Contracting guide

Gov Contracting Factoring Rates: What You'll Pay

Typical factoring and AR financing rates for government contractors companies, the factors that move your price and a worked cost example.

Read the guide

Government Contractors financing FAQs

Most government contractors businesses get the best fit from accounts receivable financing, because customers typically pay in 30–90 days from federal, state and local agencies. Accounts Receivable Financing advances 80%–95% of invoice value, so the money arrives when the work is done rather than when the customer gets round to paying.

Gov Contracting financing by state

Funding programs

How gov contracting companies get funded

Accounts Receivable Financing is the usual fit for this sector, but all four programs are open to gov contracting businesses.

Accounts Receivable Financing

Turn unpaid invoices into working capital in as little as 24 hours.

Advance: 80%–95% of invoice value
Cost: 0.75%–3% per 30 days
Funding: 24–48 hours after approval

Explore AR Financing

Purchase Order Financing

Fund your suppliers and fulfill large orders without draining cash.

Advance: Up to 100% of supplier costs
Cost: 1.5%–6% per 30 days
Funding: 5–10 business days for first deal

Explore PO Financing

Invoice Factoring

Sell your invoices, get paid today, and let us handle collections.

Advance: Up to 95% upfront
Cost: 1%–3.5% per 30 days
Funding: Same day to 24 hours

Explore Invoice Factoring

Freight Factoring

Get paid for every delivered load today — not in 30 to 60 days.

Advance: Up to 97% of the load
Cost: 1.5%–4% flat per load
Funding: Same day after delivery

Explore Freight Factoring

Other sectors we fund with AR financing

Staffing Agencies Manufacturing Healthcare Services Aerospace & Defense Suppliers B2B Technology & Services IT Staffing & Consulting Medical & Nurse Staffing

Ready to unlock your working capital?

Talk to a funding advisor today. Decisions in as little as 24 hours.