Financing for 8(a) Contractors
The 9-year 8(a) window is your runway to scale — but sole-source and competitive awards still pay on Net-30 to Net-90. Encore advances up to 90% of your invoice value so you can grow aggressively while the clock is in your favor.
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The 8(a) program is a window, not a guarantee
You have nine years in the 8(a) program to build a business that can stand on its own after graduation. Sole-source awards and the contracts you win in those years are the foundation of everything that comes next — but each one ties up cash for 30 to 90 days while payroll, subs, and overhead come due immediately.
Many 8(a) firms underuse their window because they self-limit the size of the awards they pursue. If you can only float a $200K receivable, you bid like a $200K company — even when your certification opens the door to far larger work.
Turn your 8(a) awards into working capital
Encore advances up to 90% of your approved invoice value, often within 48 hours. You operate on today's cash instead of waiting on the agency. When the government remits, you receive the balance less a transparent fee.
It isn't a loan and it isn't equity — it's your own earned receivables, accelerated. There's no fixed monthly payment and no dilution of the ownership your 8(a) status is built on. Your funding line grows as your contract volume grows.
Built for set-aside contractors
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We underwrite against the creditworthiness of the federal government, not just your business credit — so newer 8(a) firms and fast-growing graduates alike can qualify.
Whether you're executing a sole-source IDIQ or competing on full-and-open work, financing scales with your pipeline so you can make the most of every year you have left in the program.
Frequently asked questions
Does using financing affect my 8(a) eligibility?
No. Invoice factoring is not a loan or an equity investment — it advances cash against receivables you've already earned, so it doesn't change your ownership or control. It simply accelerates cash you're already owed.
How fast can I get funded?
Approval is typically within 48 hours. Once your line is set up, advances on new invoices can fund in as little as one business day.
I'm early in my 8(a) term with limited credit history. Can I still qualify?
Likely yes. Underwriting focuses on the creditworthiness of your customer — the federal government — which makes financing accessible to newer 8(a) participants without a long credit track record.
Can financing help me take on larger sole-source awards?
That's exactly the point. By advancing up to 90% of each invoice, Encore frees you to pursue bigger awards inside your 9-year window instead of bidding within your cash limits.
How much does it cost?
Pricing is a transparent fee on the invoice amount, quoted up front. Submit the form and a funding specialist will walk you through exact terms for your situation — no obligation.
Ready to stop waiting on government payments?
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