Financing for Veteran-Owned Small Businesses
As a verified VOSB, you've earned a real edge on VA and federal work — but the payment terms still stretch 30 to 90 days. Encore advances up to 90% of your invoice value so you can deliver without waiting on the government.
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Veteran-owned status helps you win — not get paid faster
Your VOSB verification gives you preferred access to VA contracting and a meaningful advantage across federal procurement. But the agencies you serve still pay on federal terms — typically Net-30 to Net-90 — long after you've covered payroll, materials, and subcontractors.
For a growing veteran-owned firm, that delay caps how much work you can responsibly take on. The contracts that should build your business are the same ones that tie up your cash the longest.
How Encore keeps your cash flowing
Encore advances up to 90% of your approved invoice value, funded the same or next day once your account is active. You operate on today's cash while we wait on the agency. When the government pays, 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 veteran ownership stays fully intact. Your funding line grows as your contract volume grows.
A funding partner built for federal work
Encore was founded by the original Advance Partners team and has deployed over $35 billion in funding. Because we underwrite against the federal government's creditworthiness rather than just your business credit, financing is accessible to newer and scaling VOSB firms.
Whether you're a prime on a VA award or subcontracting on a larger contract, financing scales with your pipeline so your veteran-owned advantage becomes real growth.
Frequently asked questions
Does financing change my VOSB 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?
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.
Can newer veteran-owned firms qualify?
Likely yes. Underwriting focuses on the creditworthiness of your customer — the federal government — which makes financing accessible to newer VOSB contractors without a long credit history.
Does this apply to VA contracts?
Yes. If you invoice the VA or any other agency on Net terms, you likely qualify — including work won under the VA's veteran contracting preferences.
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.