Volume Factoring
of Construction Contracts

Get even lower rates and discounts when you factor multiple invoices with CapitalPlus.

Realizing your best rates starts with a call: 865-670-2345.

Volume factoring — adding savings to the benefits

Long-term project contracts that make you wait for payment ​​can significantly strain your cash flow. These contracts get in the way of taking on future projects and paying bills. CapitalPlus’ Volume Factoring might be your solution. Your subcontractors and suppliers can be confident they’ll receive payment on time, and you get the quick cash flow you need to keep building.

What is Volume Factoring in the Construction Industry?

Imagine the power of invoice factoring but taken to the next level. When you agree to finance many or all of your project’s invoices in advance, you will receive volume discounts. It just makes sense that “bulk” factoring would be cheaper (and happen faster.)

Of course, there is a little prep work involved, but the benefits are real. Call us at 865-670-2345 or schedule a call to learn if your company’s situation can benefit from volume factoring.

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Factoring contracts... simple and fast!

Of all the forms of funding available to the construction industry, financing your commercial contracts (using factoring) can be one of the simplest and quickest.

You will start the process with a quick phone call. After completing the paperwork to become a client and agreeing to a long-term contract, we will buy all your unpaid invoices. You will receive a percentage of its face value right away, typically 80%. After completing the invoice’s project and we receive client payment, we will subtract our factoring fee and send you the rest. This can take as little as 30 days!

the invoice factoring process for commercial construction

Stop waiting to get paid!

Call 865-670-2345 or schedule a call to learn how quickly we can help you.

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Contract Factoring: a smart solution for construction companies.

Unlike traditional bank loans, contract financing using factoring can be a great option for construction businesses in many situations. Contract factoring can be ideal if you have:

  • cash flow challenges — juggling the number while waiting on receivables payments can be a real challenge.
  • limited funding options — MCAs and bank loans are not a good fit.
  • bad or limited credit — your credit history is NOT the main determinant in assessing you for contract factoring.
  • commercial construction clients — our financing is only available on commercial invoices.
  • a need for more freedom — being able to use factoring like a line of credit means you can bid on and undertake larger jobs that competitors might not.

Are you a fit? Let’s find out. Request a callback or give us a call: 865-670-2345

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Let's Talk!

We are waiting to talk to you about how you can benefit from volume factoring your construction invoices.

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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How can you use the funds?

When you decide to take advantage of the terms of the contract factoring from CapitalPlus, you can use the money where you need it:

  • pay operational expenses
  • pay or hire more employees
  • pay external help
  • purchase equipment
  • purchase project materials and supplies
  • pay taxes
  • …and more!

The choice is up to you!

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Why should CapitalPlus be first on your list of construction factoring companies?

Since the day we opened more than 25 years ago, we have focused exclusively on supplying the construction industry with working capital. During that time other companies have come and gone, even gotten out of construction, but we have always been focused on construction. Our team has been carefully chosen with both construction AND finance knowledge. This means you can trust that we know what we are talking about and won’t steer you wrong.

“We are only successful if you’re successful.” It is this mission we have when providing tailored, individualized service for you. If our funding solutions don’t fulfill this mission, we will always try to connect you with other factoring companies that we have worked with and know they can be as trusted.

See why we have so many 5-star ratings and clients keep coming back. Reach out to us. Give us a call at 865-670-2345 or schedule a short meeting today!

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Contact Factoring for Construction... and only Construction

Because we work exclusively with construction, you can feel confident that we understand your unique problems and goals. We have decades of experience financing contracts using factoring and have empowered general contractors and subcontractors across countless construction sub-trades:

  • Concrete
  • Painting
  • Paving
  • Plumbing
  • Roofing
  • Steel fabrication
  • Underground utilities
  • HVAC
  • Drywall and interior finishing
  • Excavation
  • Electrical
  • Drilling and boring
  • Demolition
  • Roofing
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Benefits of Volume Factoring with

In addition to all the benefits of traditional construction factoring, volume factoring your contacts adds the following benefits:

Aggressive pricing is available when committing to a volume of invoices.

Long-term support you can count on to see a project through completion.

Offering funds control for the length of your project, reducing the burden on your back-office staff.

It gives your preferred subcontractors and vendors comfort that that they will receive prompt payments.

Ability to negotiate early payment discounts with subcontractors, helping to offset financing fees

What our clients are saying...

Some of the many success stories that our clients tell about the benefits of contract factoring in their construction businesses is inspiring.


Jeff D.

“We have used CaptialPlus’ financing options repeatedly over the past year helping us pay for new equipment and payroll. I’m confident that we will continue to use them in the future.”


Ryan G.

“Unfortunately our bank stopped funding my framing business leaving us high and dry. Finding CapitalPlus was a lifesaver!”


Jose C.

“Multiple builds going on at one time made receivables even more painful. We now have breathing room need to work confidently between draws. “

We Keep You Building

Our experienced financial and construction industry experts are happy to answer all your financing questions – contact us today.

Let's Talk!

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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