Invoice Factoring for Subcontractors.
Working capital solutions built for specialty trade contractors who perform critical work but are often last to receive payment in the construction chain.
Key Challenges
Pay-When-Paid Clauses
Subcontractors are frequently subject to pay-when-paid provisions, making payment timing dependent on when the GC collects from project owners.
Payroll Pressure
Skilled trade labor must be paid weekly regardless of when GCs pay invoices, creating constant cash flow pressure.
Material Front-Loading
Many subcontractors must purchase and install materials before billing, requiring significant upfront capital investment.
Working Capital Constraints
Bank lines are limited, and growing work volume requires proportional increases in working capital capacity.
Heritage Factoring Solutions
Convert approved billings from creditworthy GCs into immediate cash without waiting for project owner payment.
Maintain consistent weekly payroll cycles even when GC collections are delayed or extended.
Take on additional projects and mobilize crews without waiting for current receivables to clear.
No long-term contracts — facilities adapt to your project pipeline and work volume fluctuations.
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 subcontracting business.