Payroll Funding
Never miss a pay cycle while you wait on agency payment.
Let's size your payroll facility.
Two questions to start. No obligation, no credit pull.
How it works
Payroll runs on a fixed schedule, weekly, bi-weekly or bi-monthly, regardless of when the government actually pays your invoice. For FTE-heavy awards, especially staffing, janitorial, and services contracts, payroll can outpace cash flow fast as you scale headcount to meet a new contract. Because we understand your contract, work you've performed but haven't yet billed, you can access capital for payroll. That gives you the capital to meet every pay cycle on time and retain the people performing the work.
Payroll is the least forgiving liability a services contractor carries. Materials can sometimes wait, subcontractors can sometimes be negotiated, but a missed pay cycle costs you the workforce performing the contract, and on a services award that workforce is the deliverable. Replacing cleared or credentialed staff mid-performance is far more expensive than financing the gap.
The mismatch is structural rather than a sign of a struggling business. A contractor who wins a larger award staffs up immediately and bills in arrears, so the fastest-growing firms feel the squeeze hardest. Funding drawn against earned but unbilled revenue closes that gap without diluting ownership or adding a fixed monthly obligation.
How the facility is structured.
Structured to match your actual payroll schedule, not a generic term.
Access capital against work already performed, even before it's invoiced.
Facility grows as you staff up to meet a larger or multi-site award.
Bid on larger contracts and know that your payroll is covered.
Payroll Funding questions, answered.
Can I draw against work I have performed but not yet invoiced?
Yes. That is the core of the product. Payroll funding is structured around earned but unbilled revenue, which is what lets it match a weekly or bi-weekly payroll cycle rather than an invoicing cycle.
What kinds of contractors use payroll funding?
It is most common on FTE-heavy service awards such as staffing, janitorial, security, facilities maintenance, and professional services, where labor is the dominant cost and headcount scales quickly with a new contract.
Will the facility grow if I win a larger award?
Facilities are generally structured to scale with the contract and headcount they support. A larger or additional award is a reason to revisit the limit, not to start over with a new application.
Ready to fund your contract?
No obligation, talk to a govcon financing specialist, not a call center. We'll structure capital around your award.