Federal contracts pay net-30, net-60, sometimes longer. Payroll and material costs do not wait. We connect awarded contractors with lenders that specialize in federal-contract financing — up to 85 percent of your project funded upfront, so you can perform the work you just won.
The federal government pays reliably. It just does not pay quickly. Between award and first invoice payment, a lot of contractors run out of runway.
Not every lender fits every contractor. We match based on contract type, size, agency, and stage — not who is running an ad this month.
We start with the specific contract — value, agency, payment terms, period of performance, and expected cost curve. Then your current cash position. Financing structured around a contract is different from a general working-capital line, and we quote it that way.
Mobilization financing, contract factoring, government-contract lines of credit, purchase-order financing — each fits a different situation. We recommend the structure that matches your contract, not the one that pays us a commission (there is no commission).
From our vetted network of federal-focused lenders, we shortlist three to five for your situation. Every lender on our list underwrites federal contracts specifically — not general small-business lenders who dabble.
Lenders ask for specific documentation: contract copy, mods, invoicing history, financial statements, ownership information. We help you assemble the package cleanly the first time so approvals move in weeks, not months.
Federal-contract lending rates are not public. Advance percentages, reserve accounts, and fees vary widely. We benchmark and negotiate on your behalf so you do not accept the first term sheet without knowing what better looks like.
Financing one contract is a transaction. Building a capital stack that scales with your pipeline is a strategy. We help you plan the next tier — bigger contracts, more concurrent awards, and the funding structure to support them.
Advance funding at contract start to cover the initial performance ramp — payroll, materials, subcontractor mobilization — before invoicing begins.
Advance against submitted invoices, typically up to 85 percent of the invoice value, with the balance released when the government pays.
Revolving credit line underwritten against federal-contract receivables. Useful for contractors with multiple concurrent contracts.
Funding to purchase materials or subcontracted services against a signed federal PO. Useful for supply, equipment, and manufacturing contracts.
Where the profile fits, SBA-backed lending offers longer terms and lower rates. We connect with SBA-preferred lenders that understand federal contractors.
Some federal contracts require performance or payment bonds. We connect to sureties that specialize in small-business federal work, including SBA bond guaranty pathways.
No. Our fee is paid by you. If we took commissions from lenders, we would steer you to whoever pays the most, not whoever fits best. We do not — and if a lender offers, we decline in writing.
For most structures, yes. Federal-contract financing is underwritten against the contract as the primary collateral. There are earlier-stage options — pre-award working capital, SBA lines — but the rates and terms are meaningfully different.
Depends on the structure. Contract factoring commonly advances up to 85 percent of invoice value. Mobilization financing is scoped against expected early costs. Lines of credit scale with your receivables pipeline. We size it against your actual contract, not a generic promise.
Straightforward contract factoring can close in two to three weeks. Larger structured facilities take longer — four to eight weeks is typical. Anyone promising 48-hour approvals is usually attaching predatory terms.
Fixed price, scoped after the assessment call. No hourly billing, no commission from lenders.
Federal-contract lending underwrites the contract more than the founder. Weak personal credit is not automatically disqualifying if the contract is solid. We tell you honestly during the assessment whether financing is realistic in your situation.
A 45-minute fit assessment. No cost, no obligation, no follow-up drip.
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