Prime Contractor Financing
As the prime, you carry the whole contract — your own costs plus the subs you have to pay on time. Encore advances up to 90% of your invoice value so you can fund the entire team while the agency takes Net-30 to Net-90.
Apply for FundingGet a funding decision
Fast, no-obligation. A specialist responds within 24 hours.
The prime carries everyone's cash flow
Holding the prime contract means you're responsible for the entire job — your labor and overhead, plus the subcontractors counting on you to pay them on schedule. But the government settles your invoices on Net-30 to Net-90 terms, so you're often paying out the whole team weeks before the agency reimburses you.
On large IDIQs and multi-award vehicles, that exposure compounds fast. The contracts that build your past performance are the same ones that put the most pressure on your working capital.
Fund the full contract — and your subs — on time
Encore advances up to 90% of your approved invoice value, often within 48 hours. You pay subs, make payroll, and cover costs 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 pursue larger awards without overextending your balance sheet.
Built for the scale primes operate at
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We understand large-vehicle billing, subcontractor payment obligations, prompt-payment timelines, and the working-capital demands of holding the prime position.
Because we underwrite against the government's creditworthiness rather than just your business credit, financing scales with your pipeline so you can confidently take on bigger primes and keep your whole team paid.
Frequently asked questions
Can financing help me pay my subcontractors on time?
Yes — that's a core use case. By advancing up to 90% of your invoices within roughly 48 hours, Encore gives you the cash to pay subs on schedule even while the government takes 30+ days to pay you.
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 my funding line scale for large IDIQs?
Yes. Your available funding grows with your invoiced contract volume, so larger awards and multi-award vehicles increase your line rather than straining it.
Is this debt on my balance sheet?
No. Invoice factoring advances cash against receivables you've already earned — there's no fixed monthly repayment and it doesn't sit on your balance sheet the way a bank loan does.
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.