Professional Services Contract Financing
Consulting, engineering, and advisory work is almost entirely labor — and labor gets paid long before the agency does. Encore advances up to 90% of your invoice value so you can keep your team billable without a cash gap.
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When your product is people, payroll is everything
Professional services firms — management consultants, engineers, analysts, program-support teams — sell expertise by the hour. Your costs are almost entirely payroll and benefits, and they recur every pay period. The federal client, meanwhile, pays on Net-30 to Net-90 terms.
That mismatch means you're constantly fronting weeks of skilled labor before invoices clear. Win a larger task order and you're carrying even more payroll before the first payment arrives.
Keep your bench billable with accelerated cash
Encore advances up to 90% of your approved invoice value, often within 48 hours. You make payroll and retain your talent 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 take on more engagements without overextending.
A partner who gets labor-based contracts
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We understand T&M and labor-hour billing, prime/sub arrangements, and the prompt-payment realities of federal services work.
Because we underwrite against the government's creditworthiness rather than just your business credit, even fast-growing services firms can fund the payroll their contracts require.
Frequently asked questions
Can financing cover my consultants' payroll?
Yes — that's the core use case. Encore advances up to 90% of each invoice within roughly 48 hours so you can keep your team paid while the agency takes 30+ days to settle.
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 this work for time-and-materials contracts?
Yes. If you invoice a federal agency on Net terms — including T&M and labor-hour engagements — you likely qualify.
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 professional services 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.