Construction Contract Factoring for Government Projects

Government construction is brutal on cash. You pay for materials, equipment, subcontractors, and crews as the work happens — but you get paid through progress payments and retainage that lag weeks or months behind. The bigger and longer the project, the more cash you have to carry before the government catches up.

One delayed progress payment can ripple through your whole operation: subs go unpaid, suppliers tighten terms, and the next phase of the job stalls. Factoring keeps the cash moving so the project doesn't.

When you submit an approved government construction invoice, Encore advances up to 90% of its value — often within 48 hours. You use that cash to pay subs, buy the next round of materials, and make payroll while you wait on the government's progress payment. When the agency pays, you receive the balance, less a transparent fee.

It's not a loan and it's not equity. There's no fixed monthly payment and no dilution — it's your own earned receivables, accelerated, so you can keep crews working and the schedule on track.

Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We understand progress payments, retainage, subcontractor chains, and the realities of bonded federal construction work.

Whether you're a prime managing multiple subs or a specialty subcontractor on a single project, financing scales with the work you've won — so winning a bigger job grows your cash instead of straining it.