Construction Factoring for Contractors Who Need Cash Now
Turn unpaid progress billings into immediate working capital through our network of factoring partners, so you can cover payroll, materials, equipment, and subcontractor costs without waiting 30, 60, or 90 days for client payment.
*Funding speed depends on documentation quality, invoice verification, and underwriting.
Get a Construction Factoring Quote
Tell us about your current invoices and funding needs. We will review your file and contact you with a tailored factoring option.
Keep Projects Moving Even When Payments Are Delayed
Construction cash flow breaks down when cash leaves before cash arrives. You fund labor and materials today, then wait on draws, retainage, or slow approvals from GCs and project owners.
Materials Upfront
Buy concrete, steel, lumber, and rentals before your invoice is paid.
Weekly Payroll Pressure
Pay field teams and subcontractors on schedule while receivables remain outstanding.
Slow-Paying Clients
Net-30, net-60, and net-90 terms create recurring liquidity gaps between jobs.
The Solution: Immediate Cash from Your Approved Invoices
Oakwell Commercial Partners connects you with factoring partners who turn approved construction invoices into working capital quickly, so you can stay current on payroll, buy materials on time, and keep crews mobilized without adding traditional term debt.
Fund Labor Costs Without Waiting for Draw Releases
Factoring gives you predictable access to cash while invoices are still in payment cycles. That lets you pay subcontractors on time, avoid workforce disruptions, and protect project momentum.
- Keep weekly payroll commitments intact
- Pay subs on time to preserve relationships
- Reduce delays caused by cash timing gaps
Ideal Use Cases
Contractors use construction factoring to support:
Cover Material and Equipment Costs on Time
Use factoring proceeds to secure inventory, rental equipment, and supplier deliveries when needed. Fast access to invoice value helps you avoid schedule slippage and expensive rush orders.
Supplier Payments
Pay key vendors on time and maintain preferred pricing where available.
Equipment Access
Handle rentals and operating expenses required to keep job sites productive.
Bid with Confidence
Pursue new contracts with a stronger working capital position.
Three Steps to Get Working Capital
A straightforward process designed for contractors and construction billing cycles.
Submit Your Invoice or Progress Billing
Send approved invoices for completed work and basic company details.
Receive a Fast Advance
Get a large percentage of invoice value quickly to support operations.
Receive the Remaining Balance
After client payment, you receive the balance minus agreed fees.
Fast, Reliable, and Built for Construction Operators
We connect construction businesses with lending partners that bridge payment delays using solutions designed for real job-site cash demands.
Get a Construction Factoring Quote- Built for construction payment terms, progress billing, and retainage timing
- Fast underwriting and partner funding to support active projects
- Reliable cash flow support for payroll, materials, and subcontractors
- No new term loan debt and no ownership dilution
- Clear, transparent process with responsive support from submission to funding