Construction Factoring for Contractors & Subcontractors
Fast cash advances on unpaid invoices. Get funded in 24-48 hours and keep your projects on track without waiting for slow-paying clients.
What is Construction Factoring?
Construction invoice factoring is a financing solution where Ameritex Capital purchases your outstanding invoices and advances you most of the invoice value upfront. Instead of waiting 30, 60, or even 90 days for payment, you get funds within 24β48 hours.
This helps contractors, builders, and subcontractors:
– Pay employees and subcontractors on time
– Cover material and equipment costs
– Take on new projects without waiting for funding
– Maintain steady cash flow throughout the project lifecycle
Unlike loans, factoring does not create debt. It’s a sale of receivables, not borrowed money.
Benefits of Construction Factoring
Immediate Cash Flow
Get funded within 24-48 hours instead of waiting 60-90 days for client payment.
No Debt
Factoring is a sale of receivables, not a loan. No debt on your balance sheet.
Flexible Funding
Scale funding up or down based on your invoices and project needs.
Credit Protection
We evaluate client creditworthiness, reducing your exposure to slow payers.
Meet Payroll On Time
Pay employees, subcontractors, and suppliers without disruption or delays.
Growth Without Limits
Bid bigger projects and grow your business without cash flow constraints.
How Construction Invoice Factoring Works
Submit Invoice
Send us your unpaid invoices for approval.
We Review & Approve
Fast underwriting within 24 hours.
Receive Advance
Get 80-95% of invoice value in 24-48 hours.
Client Pays Us
We release remaining balance minus fee.
Factoring for Different Billing Scenarios
Progress Billing
Get funded on invoices tied to project completion milestones and progress payments.
Milestone Factoring
Factor invoices based on project milestones, phases, and completion stages.
Pay-When-Paid
We factor invoices with pay-when-paid terms so you don’t wait for upstream payment.
Retainage Factoring
Get the cash flow you need, even when dealing with retainage situations.
Industries We Serve
Ameritex Capital has extensive experience providing construction factoring services to general contractors and subcontractors of various trades, including:
Asphalt β’ Concrete β’ Demolition β’ Directional Drilling β’ Electrical β’ Excavation and Hauling β’ High Voltage β’ HVAC β’ Interior Finish β’ Low Voltage β’ Painting β’ Paving β’ Plumbing β’ Roofing β’ Structural Steel β’ Underground Utilities β’ And More
Whether you’re a GC, specialty contractor, or subcontractor, we have the expertise and funding capacity to support your business.
Why Choose Ameritex Capital?
Ameritex Capital stands apart from other factoring companies. Here’s what sets us apart:
Direct Funder & Broker β We fund deals directly AND broker with our network, ensuring you get the best deal, not just the easiest one.
Industry Expertise β We specialize in construction factoring. We understand your invoices, your clients, and your business challenges.
Fast Approvals β Approval in 24 hours, funding in 24-48 hours. We know construction requires speed.
Transparent Pricing β No hidden fees, no surprises. You know exactly what you’ll pay upfront.
Flexible Terms β We work with progress billing, milestones, pay-when-paid, and retainage β whatever your situation requires.
Texas-Based β Local expertise with nationwide reach. We understand construction in Texas and beyond.
Dedicated Support β Your dedicated account manager is available during business hours to answer questions and solve problems.
What Contractors Say About Us
“Ameritex got us funded in 48 hours. We were able to finish a major project on time and keep our crew paid. Game changer for our business.”
Marcus Johnson
General Contractor, Houston TX
“Other factors overpromised and always had excuses for slow paying. Ameritex understood our construction business immediately and funded us within 24 hours.”
John Vaughn
Electrical Subcontractor, Dallas TX
“Cash flow is everything in construction. Ameritex’s fast turnaround means we can keep projects moving without waiting for slow client payments.”
Brian Smythers
Sub-Contractor, AustinΒ TX
Frequently Asked Questions
How quickly can I get funded?
Most contractors receive funding within 24-48 hours of invoice approval. We understand that time is money in construction.
What percentage of my invoice will you advance?
We typically advance 80-95% of invoice value, depending on your client’s creditworthiness and invoice terms. Progress billing and retainage scenarios may vary.
Will factoring hurt my credit?
No. Factoring is not a loan, so it doesn’t create debt or negatively impact your credit score. We evaluate your clients’ creditworthiness, not yours.
Do you work with pay-when-paid invoices?
Yes. We specialize in pay-when-paid factoring, progress billing, milestones, and retainage. We understand construction financing.
Are there long-term contracts?
No. We don’t require long-term contracts. You can use factoring as needed β month-to-month flexibility.
What’s your factoring fee?
Factoring fees are typically 1-4% of invoice value, depending on invoice size, client creditworthiness, and payment terms. We’ll provide transparent pricing upfront.
Ready to Improve Your Cash Flow?
Contact our funding specialists today for a free, no-obligation consultation. Let’s discuss how construction factoring can transform your cash flow and help your business grow.
MonβFri 8amβ5pm CT