HUBZone Contractor Financing
Your HUBZone certification gives you a 10% price evaluation preference and access to set-aside awards — but those contracts still pay on Net-30 to Net-90. Encore advances up to 90% of your invoice value so you can perform without a cash crunch.
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The HUBZone edge doesn't pay your payroll early
HUBZone certification is one of the strongest set-aside advantages in federal contracting — a 10% price evaluation preference plus access to HUBZone-only competitions. But none of that changes when the government actually pays. Awards still settle on Net-30 to Net-90, weeks after your costs come due.
Maintaining your HUBZone status means keeping 35% of your workforce in qualified areas — a real payroll commitment that doesn't pause while you wait on a federal check. The faster you grow, the wider that funding gap becomes.
Bridge the gap with invoice financing
Encore advances up to 90% of your approved invoice value, often within 48 hours. You meet payroll and keep your HUBZone workforce intact using today's cash; we wait on the agency. When the government remits, 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 of ownership. Your line grows as your contract volume grows.
Underwriting that fits set-aside contractors
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We underwrite against the federal government's creditworthiness rather than just your business credit, so newer and fast-growing HUBZone firms can qualify.
Whether you're a prime on a HUBZone set-aside or a sub on a larger vehicle, financing scales with your pipeline so your certification advantage turns into real, fundable growth.
Frequently asked questions
Will financing affect my HUBZone certification?
No. Invoice factoring is not a loan or an equity investment — it advances cash against receivables you've already earned, so your ownership and HUBZone eligibility are unchanged.
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.
Can financing help me keep my 35% HUBZone residency requirement?
Yes. By advancing cash against your invoices, Encore helps you make steady payroll for your HUBZone workforce without waiting on slow federal payments.
I'm a newer HUBZone firm. Can I still qualify?
Likely yes. Underwriting focuses on the creditworthiness of your customer — the federal government — which makes financing accessible to newer HUBZone contractors.
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.