Contractor receivables

A clearer plan for construction cash flow — Contractors Finance

Compare invoice factoring, retainage, progress billing, and receivables-based options using verified project records and complete contract terms.

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Terms and eligibility vary by provider and transaction.

4.9 Excellent · 3,200+ reviews via Big Think Capital
How it works Why this exists
Receivables vocabulary
  • Invoice factoring
  • Retainage
  • Progress billing
  • Notice of assignment
  • Recourse
  • Verification
  • Accounts receivable
  • Cash-flow forecast
What we fund

Construction invoice factoring and receivables finance education for US contractors

Financing options matched to your situation, in one place.

What business owners say

4.9 Excellent 3,200+ reviews on Trustpilot via Big Think Capital
  • This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
    Stephanie Harlan
  • Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
    Josias Ramirez
  • They gave me a chance when nobody else would. I'm very satisfied.
    Harold Benman
How it works

How the money moves.

One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.

1
Contractor
Document the receivable
Reconcile the project, approved billing, customer, retainage, disputes, and payment path.
2
Business
Model the cash gap
Test expected, delayed, and disputed collection cases against project obligations.
3
Review
Compare contracts
Normalize fees, recourse, security, verification, and exit terms.

Evidence before estimates

  • Separate approved billing from pending or disputed amounts.
  • Keep customer and project records consistent.

Full contract view

  • Read fees, recourse, security, and termination together.
  • Plan customer communication before notice.
Why this exists

Why the usual lenders say no.

Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.

Composite scenarios

What a funded request actually looks like.

Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.

How we label illustrative scenarios →

Industry statistics: Funding Discovery Data | 2026

Decision discipline

Finance the timing gap, not a project loss

Reconcile job margin, receivables, payroll, materials, and downside collection cases before adding an obligation.

Review the factoring hub Read our editorial standards →
Questions we get asked

Frequently asked.

Verify the work, billing, customer, amount, approval status, assignment rights, disputes, and expected payment path before comparing a structure.