Government Contractor Financing
Win the contract, then wait 30–90 days to get paid? Encore advances up to 90% of your invoice value so you can make payroll, take on bigger awards, and grow — without giving up equity.
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Fast, no-obligation. A specialist responds within 24 hours.
Why government contractors run out of cash
Federal contracts pay on Net-30 to Net-90 terms — but your costs don't wait. Payroll, subcontractors, materials, and bonding all come due long before the government cuts a check. The bigger the award you win, the wider that gap gets.
That's the paradox of growth in GovCon: the contracts that should build your business are the ones that strain your cash the most. Many capable contractors turn down work — or lose it to a competitor — simply because they can't float the receivables.
How Encore's financing works
Encore advances up to 90% of your approved invoice value, often within 48 hours of approval. You get the cash to operate now; we wait for the government to pay. When the agency remits, you receive the remaining balance, less a transparent fee.
It's not a loan and it's not equity — it's your own receivables, accelerated. There's no fixed monthly payment and no dilution. Your funding line grows as your contract volume grows.
Built specifically for federal contractors
Encore was founded by the original Advance Partners team and has deployed over $25 billion in funding. We understand FAR, prompt-payment timelines, contract mods, and the realities of working with federal agencies — so approvals are faster and underwriting actually fits how GovCon works.
Whether you're a prime managing a large IDIQ or a subcontractor on a single task order, financing scales to your pipeline.
Frequently asked questions
Is this a loan?
No. Invoice factoring advances cash against receivables you've already earned. There's no fixed monthly repayment and it doesn't appear as debt the way a bank loan does.
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.
Do I need perfect credit?
Underwriting focuses on the creditworthiness of your customer — the federal government — not just your business credit. That makes financing accessible to newer and growing contractors.
What types of contractors qualify?
Prime contractors and subcontractors across staffing, IT, construction, professional services, and more. If you invoice a government agency on Net terms, you likely qualify.
How much does it cost?
Pricing is a transparent fee on the invoice amount, quoted up front. A funding specialist will walk you through exact terms for your situation — submit the form for a no-obligation quote.
Ready to stop waiting on government payments?
Get up to 90% of your invoice value advanced. Apply in minutes.