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  • Small Biz Heroes

Contract Financing

Get the funds you need to fulfill a contract you’ve been awarded with contract financing Get an advance payment on your contracts and get paid as you complete your milestones. Contract financing is a way to share the risk and reward of your business. You can get an advance on work, without risking too much yourself because it’s collateralized by contracts with customers. It differs from bank loans in that you’re underwritten based on the terms of your contract rather than creditworthiness.
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Max Amount

Up to $5 Million

Advance Term

30-90 Days

Advance Percentage

80-90%

The Process

What does the process of contract financing look like?

Step 1

You, the business owner, pledge future payment from a new government or commercial contract you have won to the lender.

Step 2

The lender will give you up to 90% of the contract’s value in exchange for your future earnings.

Step 3

Your lender will handle all the work of collecting payment from your client, which means you can focus on building up a portfolio. Once they receive it, they’ll give what’s left over to you minus supplier invoice and fees!

Three business professionals standing outdoors and reviewing information together on a tablet.

Should I Apply For Contract Financing?

Contract financing is a source for a business to obtain a cash advance on work to get done. You should apply for contract financing if:

  • You have a company that has been awarded a contract and needs funding to complete the project.
  • You want your company to take on larger and larger contracts over time.
  • You don’t easily qualify for traditional financing or loans.
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The Benefits of Insert Program

Growth Opportunities

Get the funding to grow as opportunities come your way.

Flexibility

How much you get depends on the size of your contracts.

Easy and Quick

Get access to funding quickly because your funding is based on the contract.