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.
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
Tell us about the project, the paying party — GC, developer, or agency — and your approved progress billings or invoices.
We focus on the creditworthiness of who owes you and the validity of your billings. Retainage, lien, and payment specifics are confirmed with counsel.
Advance against eligible receivables as approved billings go out, and repay as the paying party pays.
Common questions
How we structure it
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 responds within 24 hours.