Construction projects often involve long payment cycles, complex billing processes, and significant upfront expenses for labor and materials. These challenges can slow down even the most skilled subcontractors and contractors, making it harder to take on larger jobs or manage multiple projects at once.
Our Construction Factoring program is built to remove those barriers by providing fast, reliable funding when you need it most. Beyond simple cash advances, we offer materials financing to keep your crews supplied, support with progress billing to simplify project payments, and expert risk management to protect your business. With Hill Country Factors, you can take on bigger opportunities with confidence, knowing your cash flow will always keep pace with your growth.
Get the supplies you need upfront so your crews can work without delays.
We help manage progress billing and payment schedules so you can focus on building, not chasing checks.
Construction Factoring is built for subcontractors, general contractors, and suppliers ready to grow but slowed down by long payment terms. Whether you need upfront funds for materials, help managing complex billing, or support with risk management, our solutions give you the confidence to take on bigger projects and get paid reliably.
Send us your progress billing, pay applications, or invoices tied to your project.
We advance a percentage of the invoice value—covering payroll, materials, and other project costs.
When the general contractor or project owner pays according to the contract terms, payment goes directly to us.
Once payment clears, you get the rest—minus our transparent fee—keeping your cash flow steady and predictable.
Think of it as turning your invoices into immediate capital. Instead of waiting 30, 60, or 90 days to get paid, we purchase your receivables at a discount, giving you the working capital you need now. Your growth shouldn’t be limited by your payment terms.
We look at the whole picture – your business, your customers, and most importantly, your potential. While we review traditional metrics, we’re more interested in understanding where you’re headed and how we can help you get there.
Your funding grows with your business. Since funding is based on your receivables, the more you grow, the more capital you can access. Up to 95% advance rates available for qualified clients.
Basic business documentation, recent financial statements, and accounts receivable/payable reports. But before any paperwork, let’s have a conversation about your business and goals.
B2B companies with creditworthy commercial customers. We work across industries but specialize in construction, manufacturing, and service businesses looking to scale.