Construction Factoring Company

Alliance One LLC understands the cash flow challenges construction companies face at every stage of a project. From purchasing materials to paying subcontractors and labor, expenses often occur long before invoices are paid. With payment terms commonly stretching 30, 60, or even 90 days, maintaining positive working capital can be difficult. Many construction companies turn to invoice factoring to stabilize cash flow and keep projects moving without taking on new debt.

Factoring for Construction Companies

Invoice factoring gives construction companies fast, reliable access to working capital by converting outstanding invoices into immediate cash. Instead of waiting weeks or months for customer or project payments, approved invoices are verified and funded quickly. This provides the liquidity needed to stay current on payroll, purchase materials, pay subcontractors, and manage day‑to‑day operating expenses — all while continuing to take on new projects.

Advantages of Invoice Factoring for Construction Companies

  • Flexible funding on single or multiple invoices

  • Short-term factoring agreements tailored to your business

  • Accounts receivable financing often costs less than traditional lending

  • Funding typically issued within 24 hours of invoice verification

  • Invoice insurance included at no additional cost

  • Dedicated account executive for personalized service

  • No requirement to factor all customer invoices

  • Minimal funding requirements within a 60-day cycle

Accounts Receivable Financing - Construction Companies

Construction Companies We typically Factor

We are able to fund construction businesses that:

✔ Invoice the project owner or private developer directly

Payment must come straight from the owner — not through a GC, government agency, or multi‑tier approval process.

✔ Work on private‑sector commercial projects

Examples include:

  • Commercial site work
  • Concrete & foundation contractors
  • Mechanical contractors
  • Fire suppression contractors
  • Commercial specialty trades

✔ Issue standard invoices (no progress billing)

Invoices must be for completed work or delivered materials, not tied to percentage‑complete or milestone certifications.

✔ HVAC & Electrical Companies With Direct Service Contracts

We can factor HVAC and electrical companies only when they have a direct service agreement with the building owner. Examples include:

  • Preventative maintenance contracts
  • Direct repair/service work
  • Owner‑approved equipment replacement
  • Direct‑billed commercial service calls

If payment flows through a GC, we cannot factor it.

✔ Standard invoices only (no progress billing)

Invoices must be for completed work or delivered materials, not tied to percentage‑complete or milestone certifications.

HOW IT WORKS

How Invoice Financing Works

Complete Your Application

Fill out a short application with basic business and customer information. The process is straightforward and designed to move quickly.

Send the Invoices You Wish to Factor

Submit the unpaid invoices you want to factor along with any required documentation. We focus on your customers’ creditworthiness, not your business’s debt.

Get Approved & Get Funded

Once approved, funding is issued fast, often within one business day. You gain immediate access to working capital to support operations and growth.
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Testimonials

See How We Transform Cash Flow

As a small business owner, I would often have to turn away business because it would deplete my resources to do the job. Now that I am using Alliance One LLC as my factoring company, I am able to take on larger jobs and offer the credit terms that big companies demand. I have nearly doubled my business in the past year with the help of Alliance One.

Joe S. / Commercial Printer
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Our Blogs & News

News & Announcements: Key
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A Quick Guide To Invoice Financing For Businesses

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Frequently Asked Questions

We Help Companies Like Yours Grow

Below are answers to common questions about qualifying for invoice factoring, choosing between a broker or direct lender, and the types of businesses we work with. This section is designed to help you understand whether factoring is the right fit for your company and how Alliance One supports your growth.

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