IT Government Contractor Financing
Your engineers, cloud bills, and licenses get paid monthly — the agency pays you Net-30 to Net-90. Encore advances up to 90% of your invoice value so you can scale labor and tooling without a cash crunch.
Get a funding decision
IT contracts are labor-heavy and payment-delayed
Federal IT work runs on people and platforms — cleared engineers, cloud infrastructure, software licenses, and subcontracted specialists. Those costs hit every pay period, but agencies settle invoices on Net-30 to Net-90 terms. The richer the task order, the more labor and tooling you're carrying before a dollar comes back.
On a fast-growing IDIQ or BPA, that lag is the main thing standing between you and ramping up the team the contract actually calls for.
Cash to staff up and stand up infrastructure
Encore advances up to 90% of your approved invoice value, funded the same or next day once your account is active. You cover payroll, cloud spend, and licensing on today's cash while 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. Your funding line grows as your billings grow, so you can scale delivery as fast as your task orders expand.
A funding partner that fits GovCon IT
Encore was founded by the original Advance Partners team and has deployed over $35 billion in funding. We understand labor-loaded billing, prime/sub structures on large IT vehicles, and the prompt-payment timelines agencies actually follow.
Because we underwrite against the government's creditworthiness rather than just your business credit, even rapidly scaling IT firms can fund the people and platforms their contracts demand.
Frequently asked questions
Can financing cover engineer payroll and cloud bills?
Yes. By advancing up to 90% of each invoice the same or next day once your account is active, Encore gives you cash to cover labor, cloud infrastructure, and licensing while the agency takes 30+ days to pay.
How fast can I get funded?
You get a response within 24 hours, most clients onboard in two to three weeks, and once your account is active, new invoices are funded the same or next day.
Does my line grow as I add staff to a task order?
Yes. Your available funding scales with your invoiced contract volume, so ramping up engineers on a new IDIQ or BPA increases your line rather than straining it.
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 IT 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?
Encore advances 80 to 90% of approved invoice value, so payroll and operations run on your schedule instead of the agency's. Apply in minutes.