El financiamiento de contratos del gobierno ayuda a las empresas a obtener capital de trabajo para los contratos ganados del gobierno federal. | Factores de negocio
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Financiación del gobierno Contrato

Accelerate Cash Flow Now and Power Your Next Milestone
Turn approved government invoices into immediate working capital to fund your operations and mobilize your growth. We offer flexible financing government contracts that scale with your projects, helping you meet deadlines and deliverables.
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El financiamiento de contratos del gobierno ayuda a las empresas a obtener capital de trabajo para los contratos ganados del gobierno federal., state, or local government. Factoring government contracts – El financiamiento de contratos del gobierno ayuda a las empresas a obtener capital de trabajo para los contratos ganados del gobierno federal. – El financiamiento de contratos del gobierno ayuda a las empresas a obtener capital de trabajo para los contratos ganados del gobierno federal..

Todos los años, los Estados Unidos. y los gobiernos canadienses otorgan mil millones de dólares en contratos a las pequeñas y medianas empresas (PYME) para ayudar a crear puestos de trabajo y fomentar el desarrollo económico a largo plazo.

Al trabajar con una entidad gubernamental puede ser una oportunidad lucrativa, muchas PYME tienen que financiar los costos iniciales y otros gastos de explotación antes de poder asumir un proyecto. También tienen que esperar a que el gobierno pague las facturas, que puede tomar de uno a dos meses. financiación contrato con el gobierno ayuda a las empresas a obtener el capital de trabajo que necesitan para poner juntos con éxito las ofertas y obtener beneficios económicos de las facturas después de que los contratos se completan.

With government contractor financing, approval is based on the credit of the government debtor, not on your business’ operating history. Una vez verificado, advances arrive quickly, and the balance is released when the agency pays reliably. This gives you a predictable cash flow cushion from financing government receivables that scales with your awards.

Reach out today and discover the best funding solutions for your business.

Cómo Financiación del gobierno Contrato Obras: The Big Picture

Accelerate Cash Flow With Fast Government Contract Financing

Business Factors turns approved receivables from federal, state, or local agencies into immediate working capital. En lugar de esperar hasta 60 dias, you receive a cash advance based on your invoice value, without taking on term debt or giving up equity.

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Así es como funciona:

  • Paso

    Get awarded, perform work, and issue an invoice to the agency.

  • Paso

    Apply with a lender or government factoring company; submit contracts, facturas, and W-9.

  • Paso

    The funder verifies the contract and requests Assignment of Claims approval from the contracting officer.

  • Paso

    You receive an advance of 70 a 90% of the invoice upon approval.

  • Paso

    The agency pays to the funder’s designated account; your reserve balance is released, honorarios menos.

  • Paso

    Repeat as new invoices are issued; limits typically scale with award size.

Costos y tarifas

Know the Fees Before You Factor

Al factores de negocio & Financiar, we offer servicios de factorización de facturas tied to real activity. The core cost is a discount fee charged only while the invoice is outstanding. It’s quoted weekly or monthly.

Las empresas pueden financiar los contratos del gobierno a través de la factorización, préstamos basados ​​en activos, o la Administración de Pequeños Negocios (SBA) préstamos. Contact Business Factors today to find the best alternative for your business.

La mejor opción de financiación depende en última instancia de la situación única de su empresa.. Por ejemplo, si la empresa necesita capital inmediata pero tiene activos mínimos, factorizar puede ser una buena opción. Si la empresa tiene al menos $1 millones de dólares en activos elegibles, incluyendo el inventario y cuentas por cobrar, y estos activos no se comprometieron a otro prestamista, préstamos basados ​​en activos podría ser una buena opción. If your business meets SBA requisites – two or more years in business, suficiente capital, etc.– such a loan or revolving facility may be a good option.

Producto
Typical Cost/Rate
Factores clave involucrados
Government Invoice Factoring
0.9% a 3.5% por 30 dias (often tiered; smaller add-ons for each 10 a 15 dias)

Typical Advance/LTV:
80% a 90% of approved invoice
Discount applies only while invoices are outstanding; reserve released at payment minus fees.
Asset-Based Line (ABL)
Base rate (SOFR/Prime) + spread — often +5% - 11% with private credit. Some ranges expressed as Prime + 2% a +10%

Typical Advance/LTV:
Borrowing base tied to eligible A/R (and sometimes inventory/equipment)
Suits asset-heavier firms; covenants and reporting common.
SBA 7(una)
Variable Prime + lender spread (within SBA caps)

Typical Advance/LTV:
N/A (term loan, not tied to specific invoices)
Working capital/CAPLines options; longer underwriting and documentation.
SBA 504
Fixed long-term rate (commonly seen in the mid-single digits)

Typical Advance/LTV:
N/A (fixed-asset financing)
For equipment/real estate; not designed for receivable financing or cash-flow gaps.

Cómo Payroll Factoring Fees Están estructurados

Fees are typically charged as a discount on outstanding invoices, calculated in monthly (30-day) or weekly increments. Choosing between monthly and weekly pricing should align with your agency’s average days to pay and cash flow cadence.

Here’s a sample computation:

Factura: $300,000

velocidad de avance: 85%, which equals $255,000 upfront and $45,000 in reserve.

Modelo de tarifa mensual

Assume a 3.0% per 30-day discount and a one-time $250 due diligence charge. If the agency pays in 45 dias, most providers bill two 30-day periods:

Discount fee: $300,000 × 3% × 2 = $18,000 One-time due diligence: $250 Total cost: $18,250 (plus any pass-through wires/UCC filings)

Modelo de tarifa semanal

Assume 0.75% por semana. If the agency pays in 5 semanas:

Weekly fee: $300,000 × 0.75% = $2,250 Total discount over 5 semanas: $2,250 × 5 = $11,250 Add any pass-through charges (p.ej., $20 wire) for a precise total.

Tarifas ocultas y cómo evitarlas

Some offers look cheap until add-ons hit your margin. Here’s what to watch for and how to stay in control:

Here's what to watch for:

  • Early Termination & Auto-Renewals:

    Long terms with steep exit fees or 60 to 120-day notice windows.

  • Monthly Minimums and Volume Requirements:

    Charges if your awards or task orders fluctuate.

  • Bucket Billing:

    Full 30-day fees (or step-ups after 30 a 45 dias) instead of daily or weekly proration.

  • Tarifas de procesamiento y administración:

    Due diligence, UCC filing, wire/ACH, caja de seguridad, verificaciones de crédito, annual renewal.

  • Government-Specific Charges:

    Assignment of Claims handling, contract modification re-verification, and lien subordination with your bank.

  • Concentration or “Slow-Pay” Surcharges:

    Extra costs tied to a single agency or longer pay cycles.

Consejos prácticos para evitar tarifas ocultas

  • Request a written, itemized fee sheet and a sample settlement using your typical pay timeline.

  • Confirm prorated fees, reserve release timing, and all pass-through caps in the agreement.

  • Verify termination terms, notice periods, and any minimums.

  • Choose a government factoring company with transparent pricing and no hidden add-ons.

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Por qué su negocio Needs Government Contract Financing

Proven Solutions To Solve Real Cash Flow Challenges

Government contract financing keeps projects on schedule when pay cycles lag. A trusted government factoring company advances cash so you can staff up, buy materials, and cover mobilization, compliance, and vendor commitments. It’s efficient funding for government contracts that scales with your receivables.

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Industries That Benefit From Factoring

Predictable Funding for Government Contractors

Here’s how our government factoring company helps businesses across multiple sectors:

Information Technology And Cybersecurity

Cover upfront labor, licencias de software, and hardware for awarded task orders. Bridge long procurement and acceptance cycles, fund cleared talent, and keep milestones on schedule while agencies process invoices and remit payment.

Construction And Engineering

Purchase materials, secure equipment rentals, and manage subcontractor draws without delays. Smooth cash flow across progress billings, change orders, retainage, and inspections so crews stay mobilized and projects meet strict government timelines.

Professional Staffing And Security Services

Align weekly payroll with net-30/60/90 agency terms. Finance surge staffing for new task orders, maintain clearances and coverage across multiple sites, and stabilize operations without straining working capital between reimbursements.

Logistics, Carga, and Last-Mile Delivery

Fund fuel, conductores, compliance, and maintenance for FEMA, DLA, and agency shipments. Keep lanes active during surges while invoices age, ensuring reliable on-time performance without stretching cash between payment cycles.

Manufacturing and Defense Subcontractors

Purchase long-lead components, meet QA requirements, and handle lot testing. Finance production ramps aligned to milestone acceptances so you can confidently scale output for prime and sub awards despite extended government payment timelines.

Facilities Maintenance and Janitorial

Prepay supplies, cover onboarding costs, and staff rotating shifts for multi-site contracts. Stabilize cash flow across recurring invoices, emergency callouts, and seasonal swings while keeping SLAs intact as agencies process payments.

¿Qué modelo? Se adapta a las necesidades de su negocio?

Both recourse and non-recourse factoring come with different levels of risk. Understand the differences and costs.

Factoring de recurso

Factoring sin recurso

Recourse keeps pricing low and approvals fast. sin embargo, you remain liable if the agency doesn’t pay for reasons outside the factor’s control, such as disputes, setoffs, and documentation defects.

Pros

  • Lower fees; typically higher advance rates
  • Faster underwriting and simpler covenants
  • Flexible terms for changing task orders
  • Works well with clean docs and predictable pay cycles

Contras

  • Chargebacks if payment is delayed or reduced
  • Absorbing risk from disputes, offsets, or missing Assignment of Claims
  • Cash flow can tighten if acceptance slips or retainage are held
  • Concentration risk (single agency/contract) remains on you

Non-recourse shifts covered the credit risk of the government debtor to the factor after required approvals/acknowledgments, typically not performance or documentation risk.

Pros

  • Reduced exposure to covered credit nonpayment
  • Smoother cash planning with risk transferred to the factor
  • Helpful when agency diversification is limited
  • Extra protection for thin reserves or rapid scaling

Contras

  • Higher fees; sometimes lower advance rates
  • Tighter eligibility (assignment acknowledgments, verification, reporting)
  • Common exclusions: disputes, setoffs, performance or paperwork issues
  • Onboarding can take longer, and more ongoing monitoring is required

A Fast Way To Fund Your Project

When delays aren’t an option for your business, we deliver fast and reliable solutions that give you immediate access to working capital. Protect your business’ financial stability so that you can focus on growth.

Talk to Business Factors specialists and discover a smarter, more dependable way to fund your operations.

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Preguntas frecuentes

  • How fast can I get funded?

    Most contractors receive funds within 24 a 48 hours after setup, the Assignment of Claims acknowledgment, and invoice verification. Subsequent invoices typically fund on the same fast cycle.

  • What do I need to qualify?

    An awarded contract or task order, approved invoices, UEI/SAM (for federal), Assignment of Claims paperwork, and a clear lien position. We underwrite the paying agency’s credit more than your operating history.

  • Recurso vs. sin recurso: what’s the difference?

    Recourse costs less, but you’re liable if payment fails for non-credit reasons. Non-recourse shifts covered credit nonpayment risk to the factor; disputes, performance, and documentation issues are usually excluded. You confirm coverage in writing.

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