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Financing for government receivables and contracts

Government receivables financing advances working capital against invoices owed to you by federal, state, and local government agencies. BuildUp Capital provides it as a receivables-backed line of credit for contractors who’ve earned the work but face slow government payment cycles. Government payers are among the most creditworthy obligors there are — which is exactly why we like financing what they owe you. Available nationwide.

Get working capitalCall (775) 997-8199

Winning a government contract is hard. Waiting to get paid on it shouldn’t break you. Agencies are reliable payers, but they’re rarely fast ones, and a contractor carrying labor, materials, and subcontractors can run short long before the government’s payment arrives.

We finance the receivables those contracts generate, so you can take on the next task order without starving the current one. Because government agencies are exceptionally creditworthy payers, financing secured by what they owe you is a structure we’re glad to build around — for prime contractors and qualified subcontractors alike.

How it works

Three steps to a working line

Show us the contract and invoices

Tell us about the agency, the contract, and what’s billed or about to be. Federal, state, and local receivables are all in scope.

We underwrite the receivable

We focus on the strength of the government payer and the validity of your invoices. Where federal contracts are involved, assignments are handled through the proper legal process.

Draw as you perform

Advance against eligible receivables as you bill, and repay as the agency pays. The line supports the contract you’ve already won.

Who government receivables financing is for

Common questions

Questions about government-receivables financing

What is government receivables financing?
It’s working capital advanced against invoices owed to you by government agencies. Instead of waiting out a slow federal, state, or local payment cycle, you draw against the receivable and repay when the agency pays.
Why are government receivables good collateral?
Government agencies are among the most creditworthy payers in existence — they pay reliably, even if slowly. That reliability is what makes a line secured by government receivables a sound structure for both sides.
Do you handle the Assignment of Claims Act?
Where a federal contract requires it, assignments of payment are handled through the proper legal process. We coordinate the documentation with you, and the specifics are confirmed with counsel as part of setting up the line.
Can subcontractors qualify, not just primes?
Often, yes. We look at the strength of the government payer behind the work and the validity of your invoices. Qualified subcontractors with solid receivables are in scope.
How is this different from a bank line?
It’s tied to your government receivables and scales with your billings, rather than being a fixed amount capped by your balance sheet — which suits contractors growing across task orders faster than a conventional bank line allows.

Explore more ways to fund your business

Payroll financingPayroll financing that turns unpaid client invoices into cash to make payroll on time. Built for staffing agencies and labor-based businesses waiting 30–90 days to get paid.Learn more →Invoice factoringAn alternative to traditional invoice factoring: a receivables-backed line of credit that turns unpaid B2B invoices into working capital while you keep your customer relationships.Learn more →Get working capitalTell us who owes you. A person responds within 24 hours.Start here →