Receivables financing for contractors and subcontractors

Construction receivables financing advances working capital against your approved progress billings and completed-work invoices — so labor, materials, and subs are covered while you wait on a general contractor, developer, or government agency to pay. BuildUp Capital provides it as a receivables-backed line of credit, underwriting the strength of the payer behind your invoices. It suits contractors and qualified subcontractors on commercial and public projects. Available nationwide. Construction payment specifics — retainage, lien rights, and conditional payment — are confirmed with counsel as part of setting up the line.

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Construction ties up cash at every stage. You front labor, materials, equipment, and subcontractors, then bill in progress draws that clear slowly — and retainage can hold a slice of every dollar until the job closes. A contractor scaling into bigger projects can be profitable on paper and still short of cash to make the next payroll or material run.

We finance the receivables your approved progress billings generate, secured by what creditworthy general contractors, developers, and government agencies owe you. That frees working capital to keep crews and suppliers paid while the payment cycle runs its course.

How it works

From unpaid invoice to working capital

Show us the project and billings

Tell us about the project, the paying party — GC, developer, or agency — and your approved progress billings or invoices.

We underwrite the payer

We focus on the creditworthiness of who owes you and the validity of your billings. Retainage, lien, and payment specifics are confirmed with counsel.

Draw as you bill and perform

Advance against eligible receivables as approved billings go out, and repay as the paying party pays.

Construction businesses we finance

  • Subcontractors and trade contractors
  • Specialty and MEP contractors
  • Commercial general contractors
  • Site, civil, and infrastructure contractors
  • Public-works and government-project contractors
  • Material suppliers billing creditworthy builders

Common questions

Questions about construction receivables financing

What construction receivables can be financed?
Approved progress billings and completed-work invoices owed by creditworthy general contractors, developers, or government agencies. We focus on the strength of the paying party and the validity of your billings.
Can subcontractors qualify, not just GCs?
Often, yes. We look at the creditworthiness of the party that owes you and the quality of your billings, so qualified subcontractors with solid receivables are in scope.
How do you handle retainage and lien rights?
Construction payment specifics — retainage, lien rights, and conditional payment — are confirmed with counsel as part of structuring the line. We’ll be straight with you about what’s financeable.
Is this a loan against my equipment or property?
No — the line is secured by your receivables. If you own real estate and need a larger facility, we separately lend $100K–$10M against property.
How fast can it be set up?
A real person typically responds within 24 hours. We verify the project and billings, and work to put a line in place quickly.

How we structure it

Receivables programs behind this

Payroll financingPayroll financing that turns unpaid client invoices into cash to make payroll on time.Learn more →Government-receivables financingFinancing against receivables owed by federal, state, and local government agencies.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.Learn more →

Other industries we finance

All receivables financing →

Stop waiting on net-60 to fund your business.

Tell us who owes you. If your receivables are owed by large, creditworthy companies or government agencies, you’ll know quickly — and a real person typically responds within 24 hours.

Get working capital →Give us a call