Invoice Factoring for Contractors.
Structured working capital for general contractors navigating long payment cycles, retention holdbacks, and the cash flow demands of active job sites.
Key Challenges
Extended Payment Cycles
General contractors routinely wait 60–120 days for payment from developers and owners, creating significant gaps between work completion and revenue recognition.
Retention Holdbacks
Standard 5–10% retention can lock up substantial capital for months or even years until project completion and final inspection.
Subcontractor & Material Obligations
Payroll, material costs, and subcontractor payments don't wait — they're due regardless of when your invoices are collected.
Bonding & Working Capital Requirements
Maintaining adequate working capital ratios is essential for bonding capacity and qualifying for larger projects.
Heritage Factoring Solutions
Convert approved progress billings into immediate working capital without disrupting project schedules.
Factor progress invoices separately from retainage — access working capital from the advance portion while retainage collects.
Your principal understands change orders, lien waivers, and AIA-G702 invoicing structures that GCs and owners recognize.
Automatic capacity growth as your project backlog expands — no annual re-underwriting or fixed ceiling.
Industry-specific rates based on customer creditworthiness and invoice volume.
Ready to Strengthen Your Cash Flow?
Our free Capital Architecture Assessment analyzes your current position and tells you exactly how factoring can support your construction business.