Don’t let slow-paying customers slow your growth.

You don’t have to wait 30-60-90 days for customers to pay your invoices to reinvest in your business. CapitalPlus construction financing provides immediate access to cash so you can keep building your business. For over two decades, we’ve specialized in assisting construction companies in all trades with their cash flow needs.

Our team of experienced experts who understand your business provides a unique blend of continuous finance and system support that enables you to:

  • Pay Creditors Promptly
  • Meet Payroll
  • Maintain Overhead Expenses
  • And Pay Taxes and Compete for Larger Jobs

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How Does Our Financing Work?

Our financing uses factoring which means you sell your unpaid invoices to a CapitalPlus at a discount.  We provide a percentage of the face value of your unpaid invoices. We send you the balance, less a finance fee, when your customers pay their invoices. In the meantime, you have a large portion of your money in hand to use as you see fit.

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Companies We Work With

We work with all construction-related companies, and have extensive experience factoring invoices for general contractors and subcontractors across all sub-trades including but not limited to:

  • Asphalt Services
  • Concrete Contractors
  • Demolition Companies
  • Directional Drilling Companies
  • Electricians
  • Excavation and Hauling
  • HVAC Contractors
  • Interior Finish Services
  • Painting Contractors
  • Paving Companies
  • Plumbing Contractors
  • Roofing Contractors
  • Structural Steel Contractors
  • Underground Utilities
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Benefits of Working with

Receivables Financing from $50,000 – $10 million.

We can give you cash today for your invoices and wait to be paid by your clients.

We purchase your receivables to take out bank loans that are impeding growth.

We work with startup companies that have limited or no credit history.

We are a direct funding source with decision-makers onsite.

Long-term contracts are not mandatory.

We offer in-house underwriting for quick decision-making.

There are no monthly minimums.

Our fees are transparent: no nickel and diming or hidden charges.

We provide funding when others won’t, such as funding bonded jobs, purchasing Pay When Paid contracts, Progress Billing, or when in a distressed situation.

We work with other lenders (e.g., banks, PO and ABL lenders) for refinancing and restructuring of facilities.

We Keep You Building

Our experienced construction finance experts are happy to answer all your questions – contact us today.

Let's Talk

Keep all your projects
moving forward

You focus on building, we will focus on providing the cash flow you need.

Our construction financing solutions and services allow you to focus your time and money on building and growing your business without worrying about working capital or back office functions. We give you steady access to cash flow to help you grow – for operating costs, new or large contract needs, acquisitions, and more.

Asked Questions

If you are new to factoring or CapitalPlus Construction Services we hope that these FAQs will give you the information you need to make the right decision for your company’s working capital and bookkeeping needs.

Construction Factoring Services Overview

Receivable Financing is selling the right to payment to receivables or invoices to a factor at a small discounted rate from face value so that you do not have to wait the normal 45-60 days for payment. Receivable Financing is also referred to as factoring. Over a billion dollars are provided to businesses each year through receivable financing and it is a financial service used by a wide range of companies, from multi-million-dollar corporations to small privately held companies.

When we purchase an invoice, we do so at a discount rate. Or put another way, we advance you a percentage of the face value of the invoice. This advance varies based on the situation, the needs of our client, and is subject to an overall risk assessment.

It provides an immediate source of cash flow for your company which you can use to take on more or larger projects, for working capital, to meet payroll, pay taxes, replenish inventory, increase advertising, purchase equipment, improve your credit rating, and so much more. Most importantly you can use this cash to keep building

You provide CapitalPlus with the original invoice and purchase order or contract, and we advance you a percentage of the amount that will be paid to you by your customer. The percentage that is not included in the advance is held in what we call the reserves. When CapitalPlus collects the total amount due on these invoices from your customers and refunds we send you the reserve balance to you less our fee.

The established fee is a percentage of the purchase amount and the length of time it takes to collect. The established fee is driven by the risk of each purchase, the pay term and the volume of factoring.

When we purchase an invoice, we will typically advance a portion of the invoice. The rest is held in a reserve. When we receive payment from your customer the reserve becomes real money and is wired back to you less our fee.

It is your choice how frequently you provide invoices for purchase. Just like buying in bulk at your favorite grocery store, you can receive a discount for committing to a higher volume of invoices. When you reach out for the first time, you will be assigned an Executive Account Representative. Tell your representative what your needs are and we will help you understand how you get the most out of factoring for the best price.

No. The name on the check remains that of our customer (yours). You will be required to change the remittance address that sends the check to our lock box.

No. Most contracts specifically define how your invoices should be prepared and when they should be submitted. We have contract experts on staff and can help you understand the requirements and help you comply with invoice formats and other issues.



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