Construction Invoice Factoring-
Get Back Control!

You don’t have to wait 30-60-90 days for customers to pay their invoices. CapitalPlus’ invoice factoring provides contractors and subcontractors with quick access to funds so you can do what you do best… keep building your construction business. Give us a call: 865-670-2345

Construction invoice factoring with CapitalPlus is simple!

Compared to other forms of financing available to the construction industry, factoring can be a relatively simple, and quick process. After signing the factoring agreement and becoming a client, you sell your unpaid invoices to us. We provide you with a percentage of its face value right away, typically 80%. After completing the construction project and your client pays us, we will subtract our factoring fee and send you the remainder. Simple!

The steps of construction invoice factoring at CapitalPlus Financial Services

No more waiting for months to get paid!

Call 865-670-2345 or schedule a quick meeting to learn how factoring can benefit your business!

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Get a Quote Today!

We are waiting to talk to you about how invoice factoring can quickly help you get control of your business’s cash flow. Give us a call: 865-670-2345 or schedule a meeting:

Schedule A Meeting
How can CapitalPlus help you?

*Your privacy is our highest priority. Any information you share will be kept confidential. No personal or business information will be shared with a third party without your express consent.

We are only able to fund construction companies located in the United States.

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The CapitalPlus difference: we only work with construction businesses.

For more than 25 years, the CapitalPlus mission has been to financially support contractors, subcontractors, and all of the construction industry. Compared to other “one size fits all” factoring companies, our team has been carefully chosen to include highly educated, experienced professionals with construction and finance knowledge. We are not a giant, impersonal corporation, or a cold, faceless phone app. This experience means we understand your unique challenges, like dealing with liens and bonded work, and build tailored solutions designed to support your goals.

We are only successful if you’re successful. That’s why we take pride in providing tailored, individualized service. And if our funding options aren’t a perfect fit, we’re always try to recommend other construction factoring companies that are, of course, only ones we have built a trusted relationship with and believe are a better solution for your situation.

So, there’s really little to lose by reaching out to us. Give us a call at 865-670-2345 or schedule a short call today!

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Invoice factoring: a smart solution for many construction companies.

Unlike traditional bank loans that can be so difficult to get approved for, invoice factoring can be a great option for construction businesses. It can be ideal if:

  • you have cash flow challenges — invoice factoring can unlock your “financial handcuffs” when waiting for receivables by slow-paying customers.
  • you’ve researched your options — you have looked into other options and know how dangerous MCAs can be and that bank loans are not possible.
  • you have a limited credit history — unlike a bank loan, your credit history is NOT the main determinant in our invoice factoring, so new businesses or ones with less-than-perfect credit are often great candidates.
  • you need funds to strategically grow — being able to use factoring like a line-of-credit means you can bid on and undertake larger jobs that others might not be able to.
  • you focus on commercial construction — factoring invoices in the residential sector can be difficult.

Of course, talking with our financial experts about your unique situation is ideal. Contact us at 865-670-2345 or schedule a call.

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Use the factored funds where you need them.

When you decide to take advantage of construction factoring from CapitalPlus, you can use the money how you see fit:

  • pay bills
  • make the company payroll
  • pay external contractors and subcontractors
  • hire new employees
  • pay operating expenses
  • purchase equipment
  • pay for materials and supplies
  • pay back taxes
  • compete for future work

The choice is up to you!

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Success Stories Using Invoice Factoring

Thousands of businesses have turned their business around using construction invoice factoring from CapitalPlus’ over the past 25+ years. Check out a few of the many, many success stories.

Client: A general contractor in Florida

Situation: Working on a luxury resort hotel project was a larger project than they had normally undertaken. For this reason, the contractor was worried about having sufficient funds for the upcoming payroll.

Solution: $280,000 initial funding on the $1,500,000 contract

Result: Using construction invoice factoring from CapitalPlus, the contractor was able to pay their team on time. They also took comfort in the fact that CapitalPlus’ lien compliance ensured all subs and vendors were paid and signed lien waivers. Invoice Factoring enabled them to spend 100% of their time focused on their project and not worrying about back-office stresses.

Client: A mechanical, electrical, plumbing contractor

Situation: This existing CapitalPlus client needed working capital to purchase over a million dollars of new plumbing materials and other supplies to take on a large contract which did not allow materials to be invoiced at delivery. Without this cash infusion, the contractor would have to pass on this opportunity.

Solution: $2,000,000 in Account Receivables factoring

Result: The contractor was able to purchase the project’s equipment, start, and successfully complete it.

Client: A masonry and concrete subcontractor working in Atlanta, GA

Situation: This subcontractor had been receiving funds from another factoring company that recently made a strategic decision to no longer work in the construction industry. That left the subcontractor without the needed cash flow to pay vendors and meet payroll.

Solution: $52,000 in Factoring funds

Result: Using CapitalPlus’ construction invoice factoring, the contractor had the working capital they needed to take on restoration of a stone wall on a historical property, and is now well-positioned to bid on larger projects in the future.

There are thousands more construction companies that have benefited from our invoice factoring. Read more client’s success studies.

You can be our next success story. Call (865) 670-2345 or schedule a meeting today!

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We Fund the Construction Industry

There are many other invoice factoring companies out there. Large and impersonal, you are probably just a number to them. But because we only work with contractors and subcontractors, we know your specific problems and goals. From tiny to large construction businesses in all sub-trades, they have found relief using our construction invoice factoring:

  • Concrete Suppliers and Contractors
  • Demolition Contractors
  • Directional Drilling Contractors
  • Electricians
  • Excavation and Hauling Services
  • Interior Finish Specialists
  • Mechanical Heating and Cooling Contractors
  • Painting Contractors
  • Paving and Seal Coating Companies
  • Plumbing Companies
  • Roofing Companies
  • Structural Steel Fabricators
  • Underground Utilities Contractors
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Construction Factoring from

Factoring amounts from $50,000 to $10 million.

Funding as soon as 48 hours after approval.

No monthly minimum revenue requirements.

On-site underwriting means much faster decision making. No waiting for off-site decision makers.

No long-term contract requirements. No early termination fees. Use factoring as long as you need it.

100% transparent fee structure: no "nickel and diming" or surprises. You will know up front before you sign anything.

We can factor bonded work, Pay-When-Paid contracts, or progress billing.

We can work with banks, PO, and ABL lenders

What they are saying about CapitalPlus

Our clients tell the story of the benefits they have had using factoring in their construction businesses.


Mike M.

“I would strongly suggest any small business, contractor or subcontractor to start a business relationship with Capital Plus. You will not be disappointed! Tell them Mike sent you!!”


Craig R.

“I had a great meeting with a CapitalPlus representative. He explained the services clearly and provided great insight into options for securing much-needed capital. I highly recommend!”


Richard F.

“Capital Plus has been great to us!! Every person I came in contact with has been super helpful!”


Amanda N.

“Laura, you and team ROCK! Thank you for the additional help on this month’s pay-apps.”


Tim S.

“Capital Plus makes a lot of things possible for construction companies to keep cash flow possible. Brett Barboza and his team bring the expertise, knowledge and professionalism to make it all possible. Great job guys and thanks.”


Sam S.

“I had a great meeting with a CapitalPlus representative. He explained the services clearly and provided great insight into options for securing much needed capital. I highly recommend!”

We are here to answer your construction factoring questions.

Our funding experts are ready to help you get control. Call us at 865-670-2345 today or request a callback.

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Asked Questions

If you are new to CapitalPlus Financial Services or factoring in general, we hope that we can give you the information you need to make the best decision for your company’s working capital needs.

Factoring is financial option that involves selling of your receivables or outstanding invoices to a third party company for at a discounted rate. This allows you to not have to wait the normal 30-90 days for payment. Factoring provides billions of dollars to a wide range of companies - from multi-million-dollar corporations to small privately held construction companies each year.

Factoring provides an immediate source of cash flow for your company. Because you are able to choose where the money is needed most, it can be used to take on more or larger projects, to meet payroll, pay taxes, replenish inventory, increase advertising, purchase equipment, improve your credit rating, and so much more.

When we purchase an invoice, we advance you a percentage of the face value. This advance rate amount varies based on the situation, your needs, and an overall risk assessment of your client. Generally you will receive up to 80% right away, then receive the remaining reserve (less fee) after we receive your client's payment. We are 100% transparent about our fees so there are never any surprises.

When we purchase your invoice, we will advance a portion of the invoice, usually 70-80%, and hold the remaining in reserve. After we receive payment from your customer, the reserve is wired back to you, less our fee.

The established factoring fee is a percentage of the purchase amount and the length of time it takes to collect. The amount is determined by the risk of each invoice purchased, the pay term, and the number of invoices being factored. Because of this, any fees will be laid out during your introduction call.

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 your needs and they will help you understand how you get the most out of factoring for the best price.

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

No. The name on the check remains yours. You will however, be required to change the remittance address of that check to our lock box.

Industry Affiliations

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