Purchase Order Financing for Government Contracts
Got a government purchase order you can't afford to fulfill? Encore helps contractors cover the cost of delivering the order, then bridges the wait for payment once you invoice.
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When a big order is a cash problem, not just a win
A large government purchase order should be a great day. But fulfilling it means paying suppliers, producing or sourcing goods, and covering delivery costs — all before you can invoice, and long before the government pays. For product and supply contractors, a single big PO can demand more cash up front than the business has on hand.
That puts contractors in an impossible spot: turn down profitable orders, or take them and risk running out of cash mid-fulfillment.
How purchase order financing helps
Purchase order financing addresses the cost of fulfilling a confirmed government order. Once the goods are delivered and you invoice, Encore advances up to 90% of that invoice's value — often within 48 hours — so the capital you deployed to fulfill the PO comes back quickly and your cash keeps cycling.
It's not a loan and it's not equity. There's no fixed monthly payment and no dilution — just fast access to the value of work and orders you've already secured.
Built for federal supply and product contractors
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We understand supplier terms, fulfillment timelines, and the lag before federal payment — so financing fits how product-based GovCon actually works.
Whether you're filling a one-time order or recurring task orders under an IDIQ, financing scales with the orders you win.
Frequently asked questions
What is purchase order financing?
Funding that helps a contractor cover the cost of fulfilling a confirmed purchase order — paying suppliers and delivery costs — when the order is larger than the cash on hand. It's typically paired with invoice factoring once you bill for the delivered order.
Can I finance a government purchase order, or only invoices?
Both can be addressed. The most common structure funds the fulfillment of the order and then advances up to 90% of the resulting invoice once you bill. A specialist can structure funding around your specific PO and timeline.
How fast can I get funded?
Approval is typically within 48 hours, and once your line is set up, advances on new invoices can fund in as little as one business day.
Do I need strong business credit?
Underwriting focuses heavily on the creditworthiness of the federal government as your payer, which makes financing accessible to growing contractors who might not qualify for a traditional loan.
How much does it cost?
Pricing is a transparent fee, quoted up front. Submit the form and a funding specialist will walk you through exact terms for your order — no obligation.
Ready to stop waiting on government payments?
Get up to 90% of your invoice value advanced. Apply in minutes.