Small construction companies who are the primary or the sub-contractor on commercial construction projects, can factor their Invoices to eliminate cash flow concerns.

There are a few Lenders within the US who will fund, up to seventy five percent, of the Invoice amounts, for commercial construction invoices, regardless, if bonding is required or not, in some cases.

Even though the Federal Government's Prompt Payment Act, requires, that that construction contractors be paid in 14 days, doesn't always happen.  Small construction companies, often times cannot afford a mistake, with Government or Commercial construction contracts.  Payments must be received, on a certain date in order to maintain a cash flow, which is acceptable.

Most construction companies, set up their Invoice Lines of Credit, prior to bidding on the job, or certainly, before starting the project.  This method of funding, leaves little room for surprises, when operating on a tight budget.

Fees for construction, Invoice Lines of Credit, for Corporate (commercial) or Government contracts are higher than fees for manufacturing, staffing agencies, and non-construction specialty services.

Each contract, regardless, if construction, or not, receives an independent proposal, based on the total amount of Invoices, time it takes the client to pay the Invoices and the type of Invoices.

With most Lenders, there are a few restrictions, on how much a company, must factor each month.  A, companies credit is usually, not an issue.  The Lender's major concern, is the payer's credit history.  This is why many small companies won't sign a contract, without the Lender's approval.