Financing for Service-Disabled Veteran-Owned Businesses
SDVOSB set-asides and sole-source awards reward your service — but the VA and DoD still pay on Net-30 to Net-90. Encore advances up to 90% of your invoice value so you can execute without running short on cash.
Apply for FundingGet a funding decision
Fast, no-obligation. A specialist responds within 24 hours.
SDVOSB awards come with a cash-flow catch
The SDVOSB program — and the VA's strong preference for verified veteran-owned firms under the Vets First program — gives you access to set-aside and sole-source work that few competitors can touch. But the agencies that buy from you still pay on federal terms, often 30 to 90 days out.
That delay falls hardest on the firms growing the fastest. Each new SDVOSB award ties up cash for payroll and subcontractors weeks before the government reimburses you — and that gap is what forces many veteran-owned firms to turn down work they could easily win.
Encore advances the cash you've already earned
Encore advances up to 90% of your approved invoice value, often within 48 hours. You fund operations on today's cash; we wait on the agency. When the VA or DoD 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 your service-disabled veteran ownership stays completely intact. Your line grows as your contract volume grows.
A partner who understands federal contracting
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. Because we underwrite against the federal government's creditworthiness rather than just your business credit, financing is accessible to newer and growing SDVOSB firms.
Whether you're a prime on a VA Vets First set-aside or subcontracting on a DoD task order, financing scales with your pipeline so your certification translates into real growth.
Frequently asked questions
Does financing affect my SDVOSB or VA verification status?
No. Invoice factoring is neither a loan nor an equity investment — it advances cash against receivables you've already earned, so your veteran ownership and control 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.
I'm a newer SDVOSB without much credit history. Can I qualify?
Likely yes. Underwriting focuses on the creditworthiness of your customer — the federal government — which makes financing accessible to newer veteran-owned firms.
Does this work for VA contracts specifically?
Yes. If you invoice the VA, DoD, or any other agency on Net terms, you likely qualify — including work won through the VA's Vets First Contracting Program.
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.