Disaster Recovery

When disaster strikes, don’t let the opportunity pass you by. We have give your construction business financial options.

A cash flow crunch caused by natural disasters can end your business.

You can’t plan for hurricanes, earthquakes, wildfires, and floods. Still, you can plan to handle the cash flow crunch resulting from the additional work, materials, and subcontractors they demand. Following a disaster, time is of the essence in gathering the necessary resources to mobilize your operation, and we work quickly to help you respond. CapitalPlus has extensive experience providing cash flow support to numerous Disaster Recovery Contractors across the U.S. and Virgin Islands.

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Benefits of CapitalPlus Disaster Recovery Financing

In addition to all the benefits of our other financing services:



We quickly underwrite your request to get your project funded when a disaster occurs.



We understand FEMA’s process and administration of funds along with invoice approval by the agency program managers.



We employ funds control to ensure that all subs are paid, lien releases are secured, and work does not stop due to impatient subcontractors.



We understand that each FEMA contract and contractor is different. We can help by purchasing your invoices allowing you to meet the payroll of multiple small subcontractors.

  • Unfortunately, disasters can happen at any time. Factoring allows you to be ready to fund at any time and take on the next opportunity.
  • Disaster recovery always means having to staff up or hire subcontractors at a minute’s notice. Doing so requires solid cash flow. With our financing, you know you're ready to hire up and bring on the subs you need.
  • Contractors working in disaster recovery never know the full scope of the work until the phone rings. Having a factoring relationship, you can safely know that you can reach out to specialty contractors and engage them immediately. This feature allows you to be an attractive one-stop-shop for any disaster.

Expertise Every Step of the Way

Our staff has direct experience working for FEMA and other state and local relief agencies supporting disaster response and recovery. This setup gives us a knowledge base second to none in the financial services community.

We Keep You Building

Our experienced financial and construction industry experts are happy to answer all your questions – call 865-670-2345 or requests a call 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 Financial Services, 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 selling the right to payment of receivables or invoices to a factoring company for a small discounted rate. This allows you to not have to wait the normal 45-60 days for payment. Factoring provides billions of dollars to a wide range of companies - from multi-million-dollar corporations to small privately held companies each year.

It provides an immediate source of cash flow for your company to use as you see fit. The money 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 as our client, and an overall risk assessment. Generally you will receive 70-80% up front, then the remaining reserve (less fee) after your client pays. We are 100% transparent about our fees so you will never be surprised.

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

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 factoring fee is a percentage of the purchase amount and the length of time it takes to collect. The amount is driven by the risk of each purchase, the pay term, and the number of invoices being factored. You will know the fee before agreeing to anything.

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 we will help you understand how you get the most out of factoring for the best price.

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.

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 issues.


Industry Affiliations

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