Government Construction Contract Financing
Materials, equipment, and subs come due before the first progress payment ever lands. Encore advances up to 90% of your invoice value so you can mobilize and keep the job moving without draining your cash.
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Construction front-loads your costs and back-loads your pay
Federal construction is brutal on cash flow. You buy materials, mobilize equipment, and pay subcontractors at the start of a job — but progress payments arrive on a schedule controlled by the contracting officer, often weeks behind your actual spend. Retainage holds back even more until closeout.
Win a larger project and the strain only grows: bigger jobs mean bigger up-front buys and longer waits. Many capable builders limit the work they pursue simply because they can't carry the gap between cost and payment.
Fund the job before the agency funds you
Encore advances up to 90% of your approved invoice value, often within 48 hours. You pay suppliers and subs on today's cash and keep crews on schedule while we wait for the agency. When the progress payment lands, 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. Your funding line grows as your contract billings grow, so financing keeps pace with bigger projects.
Underwriting that understands federal jobs
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We understand progress-payment schedules, retainage, change orders, and the realities of working with federal construction agencies.
Because we underwrite against the government's creditworthiness rather than just your business credit, even fast-growing GCs and specialty subs can fund the materials and labor their contracts demand.
Frequently asked questions
Can financing cover materials and subcontractors before a progress payment?
Yes — that's the core use case. Encore advances up to 90% of your invoice value so you can buy materials and pay subs at the start of a job instead of waiting on the agency's progress payment.
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.
Does retainage affect financing?
Financing advances against your invoiced amounts on federal terms. A funding specialist will review how your specific progress-payment and retainage structure works and tailor terms accordingly.
Do I need strong business credit?
Not necessarily. Underwriting focuses on the creditworthiness of your customer — the federal government — which makes financing accessible to growing construction firms.
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 — no obligation.
Ready to stop waiting on government payments?
Get up to 90% of your invoice value advanced. Apply in minutes.