For construction-specific accounts receivable factoring, firms such as Riviera Finance, 1st Commercial Credit, and AltLINE are frequently recommended. These companies specialize in the construction trade, offering solutions like non-recourse factoring to manage payment risk and support for complex progress billing, ensuring contractors can bridge cash flow gaps for payroll and materials.
11st Commercial CreditA top choice for general and subcontractors requiring support for progress billing. They offer competitive advance rates and are well-regarded for their experience with the specific payment cycles of the construction industry.68%
2Riviera FinanceBest suited for contractors needing non-recourse factoring to eliminate collection risk if a client defaults. Evidence highlights their 50-year history of directly handling invoice collections for the construction industry.63%
Finding a factoring company that specializes in the construction industry is essential because construction receivables have unique challenges—such as pay-when-paid clauses, retainage, and mechanics' liens—that standard commercial factors often avoid.
Top factoring companies explicitly set up to purchase accounts receivable from construction contractors and subcontractors include:
1st Commercial Credit — Specializes heavily in the construction sector, offering financing for subcontractors (electricians, plumbers, HVAC, etc.), general contractors, and civil/infrastructure projects. They understand slow-paying general contractors and manage specialized programs like Vendor Pay Express. You can review their services via 1st Commercial Credit Construction Factoring.
Apex Capital — Well-known for invoice factoring, they provide dedicated construction invoice factoring designed to handle slow-paying customers, smooth out cash flow, and free you up from chasing payments. Learn more on the Apex Capital Construction Factoring page.
Riviera Finance — Offers construction factoring specifically tailored for subcontractors and general contractors, helping bridge the gap caused by slow payment cycles without taking on traditional bank debt.
New Century Financial — Focuses significantly on the construction industry, providing accounts receivable financing that accommodates retainage and slow-paying project owners.
If you'd like to narrow this down, tell me:
Are you a general contractor or a subcontractor?
What kind of advance rate or turnaround time do you need?
Do your invoices typically include retainage?
I can help you figure out which of these options fits your specific contract structure best.
Yes. I found several factoring companies that specifically advertise construction-industry receivables factoring, including firms serving contractors and subcontractors. Since you're in/around Orange County, I also checked Southern California options.
Strongest matches
CapitalPlus Construction Services — construction-focused specialist
This is one of the most targeted options: it focuses exclusively on construction factoring and works with general contractors, subcontractors, and specialty trades. It offers invoice, spot, volume, and contract factoring, and reportedly serves contractors nationwide.
Round Table Financial — Newport Beach, CA
Round Table Financial
Round Table Financial
Web
Address: 2549 Eastbluff Dr Suite 490, Newport Beach, CA 92660, United States
Phone: +1 949-506-1515
Its construction program specifically allows construction companies to select which invoices they want to factor. It is particularly convenient if you'd prefer a local Orange County firm.
RCR International Finance — nationwide construction factoring
RCR specifically purchases/advances against approved progress billings and completed-work invoices for contractors and subcontractors. It understands construction-specific issues such as retainage, lien rights, progress payments, and pay-when-paid terms.
Star Funding — construction receivables specialist
Star Funding specifically advertises construction receivables financing and says it works with subcontractors/trades and can factor progress and milestone billings containing pay-when-paid provisions. Important: it does not fund residential/homeowner work and excludes bonded invoices.
1st Commercial Credit — construction contractors
They offer construction invoice factoring and specifically discuss funding receivables from general contractors and government agencies. Their published qualification criteria include at least one year in business and $100,000/month in revenue from multiple clients.
BuildUp Capital — contractors/subcontractors
BuildUp finances approved progress billings and completed-work invoices and specifically mentions subcontractors, specialty/MEP contractors, commercial GCs, civil/infrastructure contractors, and public-works contractors.
Other Southern California possibilities
Riviera Finance — Santa Fe Springs. It offers invoice factoring and has a Southern California presence; non-recourse factoring is one of its offerings.
America's Factors — Santa Fe Springs. Its factoring programs include construction among the industries it serves.
UC Factors — Southern California. It purchases eligible B2B receivables and specifically identifies contractors among the businesses it serves.
Transwest Capital — Long Beach. It offers invoice factoring and has a local Orange County/SoCal factoring operation.
What I'd prioritize
If your goal is selling actual construction accounts receivable rather than taking out a conventional loan, I'd start with:
The biggest issue is that construction factoring can be substantially different from ordinary invoice factoring. You should tell the factor whether your receivables involve progress billings/AIA pay applications, retainage, pay-when-paid or pay-if-paid clauses, bonded projects, government work, or a general contractor as the debtor. Those details can determine whether an invoice is eligible.
If you tell me (1) your approximate monthly A/R, (2) whether you're a GC or subcontractor, (3) whether the invoices are to GCs/private owners/government, and (4) whether you're looking for non-recourse factoring, I can narrow this to the 3 best companies and compare their likely advance rates, minimums, fees, and construction-specific requirements.
RIVIERA FINANCE - 1000 Mansell Exchange W Bldg 300 suite 340, Alpharetta, GA 30022, United States
Yes. If you specifically want a company that purchases construction accounts receivable, rather than offering a conventional loan, these are worth contacting:
CapitalPlus Financial Services — specializes specifically in construction factoring and works with contractors/subcontractors.
Riviera Finance — offers commercial construction factoring, including completed-work invoices, and has a Carolinas presence.
1st Commercial Credit — construction factoring; advertises advances against receivables and construction-specific programs.
Apex Capital — construction invoice factoring with experience handling construction receivables.
— construction factoring with advertised advances of 85–95% and facilities up to $2 million.
If you tell me your approximate monthly receivables, whether you're a GC or subcontractor, and whether the invoices are progress billings/retainage, I can narrow this to companies that specifically fit your situation.
Finding a factoring company that understands the unique constraints of the construction industry—such as slow-paying general contractors, retainage, and AIA progress billing—is crucial, as many standard factors avoid construction due to mechanics' liens and complex project disputes.
Top factoring companies that specifically handle accounts receivable for construction contractors, subcontractors, and trades include:
1st Commercial Credit : Specializes heavily in the construction sector. They provide services tailored to general contractors, subcontractors (electricians, plumbers, HVAC, roofers, etc.), and civil/infrastructure work, helping bridge gaps left by slow-paying 30- to 120-day project cycles.
Riviera Finance : Actively lists construction among its core served industries. They are well-known for offering non-recourse factoring (meaning they take on the credit risk if your customer doesn't pay) and flexible month-to-month arrangements.
Apex Capital : Though widely recognized in transportation, they feature a dedicated construction invoice factoring division designed to help contractors smooth out cash flow for payroll and materials while managing slow-paying clients.
If you'd like to narrow this down, please let me know:
Are you a general contractor or a subcontractor?
Do you primarily work on commercial, residential, or public/government projects?
What kind of monthly invoice volume are you looking to finance?
I can give you a more tailored recommendation or detail what documents you'll need to apply.
AMA Financial Network - 10015 Old Columbia Rd, Ste B, Columbia, MD 21046
PSG Lending - 400 W Franklin St Ste 300, Baltimore, MD 21201, United States
Yes. There are factoring companies that specifically purchase construction accounts receivable, including invoices from general contractors, subcontractors, specialty trades, and construction suppliers.
A few worth investigating:
Riviera Finance — Has a dedicated construction-factoring program and works with commercial construction companies in the U.S. and Canada. It says it can purchase eligible receivables and, in its construction program, offers non-recourse/bad-debt protection. It also has a Columbia, Maryland office.
CapitalPlus Construction Services — A particularly construction-focused factor. It has reportedly concentrated exclusively on construction factoring for more than 25 years and offers factoring for contractors, subcontractors and specialty trades.
Construction Invoice Factoring — Focuses specifically on construction receivables, including progress-billing factoring, which can be important if your invoices are based on project milestones rather than conventional completed-work invoices.
— Offers and says it works with contractors, subcontractors, suppliers, construction staffing companies and government-related construction contracts. Its published qualification criteria currently include at least one year in business and $100,000 in monthly revenue from multiple clients.
One important construction-specific issue
Construction factoring is different from ordinary invoice factoring because the factor may need to examine contracts, payment applications, retainage, change orders, lien waivers, pay-when-paid/pay-if-paid provisions, and whether the invoice has actually been approved by the GC or owner.
If you're looking to sell actual construction receivables rather than take out a loan, I can narrow this down to 5–10 factors that will purchase your specific type of construction A/R, and compare their likely advance rates, fees, minimums, recourse/non-recourse terms, and whether they accept retainage and progress billings.
If you tell me roughly (1) annual revenue, (2) amount of A/R you want to factor, (3) whether you're a GC or subcontractor, and (4) whether your customers are private companies or government, I can make the shortlist much more precise.
Riviera Finance - 17W415 Roosevelt Rd, Oakbrook Terrace, IL 60181, United States
1st Commercial Credit, LLC - 401 N Michigan Ave #1200, Chicago, IL 60611, United States
DSA Factors - 3126 N Lincoln Ave, Chicago, IL 60657, United States
Financial Capital Resource - 1100 Jorie Blvd, Downers Grove, IL 60516, United States
Capital Source Group - 209 W Jackson, Ste 613, Chicago, IL 60606
Capital Source Group, LLC - 100 N LaSalle St, Chicago, IL 60602, United States
Armitage Street LLC - 211 N Clinton St #2N, Chicago, IL 60661, United States
J D Factors - 490 E Roosevelt Rd #103, West Chicago, IL 60185, United States
Vendor Payment - 17 E Monroe St #108, Chicago, IL 60603, United States
RNC Mortgage B Lenders For Construction & Land - 125 S Clark St Ste 400, Chicago, IL 60603, United States
United Capital Funding - 401 N Michigan Ave #1200, Chicago, IL 60611, United States
Bibby Financial Services - 377 Butterfield Rd #625, Lombard, IL 60148, United States
Prairie Business Credit Inc - 24W500 Maple Ave #208, Naperville, IL 60540, United States
Yes. Several firms specifically factor construction accounts receivable, including progress billings and subcontractor invoices:
Riviera Finance — Oakbrook Terrace; explicitly specializes in commercial construction factoring and purchases A/R.
1st Commercial Credit, LLC — Chicago; construction contractors/subcontractors, with A/R facilities from $10K to $10M.
DSA Factors — Chicago; offers factoring to construction businesses.
Apex Capital — construction invoice factoring, including handling collections.
— construction factoring with advances advertised up to 93%.
If you tell me your approximate monthly A/R, average invoice size, type of construction, and whether your customers are GCs or property owners, I can narrow this to the most relevant firms and compare their requirements/fees.
Finding a factoring company that understands the construction industry is essential because construction receivables come with unique challenges—such as slow payment cycles (60–120 days), retainage, progress billings, and the risk of mechanics' liens or "pay-if-paid" clauses.
Several reputable factoring companies specialize in or explicitly handle accounts receivable for construction contractors, subcontractors, and suppliers:
1st Commercial Credit : They specialize heavily in construction contractors, subcontractors, and material suppliers. They understand complex situations like supplier liens and progress billings, and they offer programs that accommodate "pay-if-paid" clauses.
CapitalPlus Construction Services : A dedicated construction-focused factor that deals specifically with small-to-large subcontractors and general contractors. They offer flexible contract and spot factoring options for completed work and progress billings, ranging from smaller invoices up to multimillion-dollar projects.
Riviera Finance : Operating for over 50 years, they provide commercial construction invoice factoring. They help general contractors and subs bridge the 30-to-90-day gap on commercial and public infrastructure projects.
Commercial Funding Inc. : They provide targeted invoice factoring for construction subcontractors and tier-2 vendors (like material haulers, site clean-up crews, and aggregate suppliers) whose cash flow is locked up in slow-paying commercial accounts.
What to Look Out for When Applying
When talking to construction factors, make sure to clarify how they handle:
Progress Billings vs. Completed Work : Many construction factors will only advance cash on approved progress billings or fully completed milestones rather than raw unbilled work.
Retainage : Ask whether they factor retainage or only standard invoices. Most traditional factors avoid retainage until it is officially billed and approved, but specialized construction factors can navigate this better.
Liens and Bond Claims : Ensure the factor knows how to handle project owner notifications and general contractor relationships without damaging your reputation on the job site.
If you'd like, let me know:
Are you a general contractor, subcontractor, or material supplier?
Roughly how much monthly working capital do you need to cover payroll and materials?
I can help you narrow down which of these companies best fits your specific project size and cash flow needs.
Construction factoring has unique challenges—such as dealing with slow pay-apps, retainage, and mechanics' liens—so you need a factor specifically experienced in the construction sector.
Top factoring companies that explicitly purchase accounts receivable and provide financing for construction contractors and subcontractors include:
1st Commercial Credit1st Commercial Credit – Specializes heavily in construction contractor financing, handling slow-paying general contractors, progress billings, and material supplier costs.
eCapital eCapital – Offers tailored invoice factoring designed to manage heavy upfront payroll and material expenses for commercial and residential construction companies.
Riviera FinanceRiviera Finance – Provides specialized commercial construction factoring with options for non-recourse invoice factoring to help bypass the risk of client defaults.
Apex CapitalApex Capital Corporation – While widely known for trucking, they also feature a dedicated division for construction invoice factoring aimed at keeping cash flow steady for subcontractors and trade contractors.
altLINE (The Southern Bank Company)altLINE – A bank-affiliated factoring option that frequently works with construction and B2B service companies facing extended client payment cycles.
To help narrow down which of these is the best fit, could you share:
Are you looking for recourse or non-recourse factoring?
Do you primarily deal with progress billing / retainage , or standard completed-job invoices?
Commercial Finance Partners - 1200 N Federal Hwy Ste 201, Boca Raton, FL 33432, United States
Gateway Commercial Finance - 340 SE 1st St, Delray Beach, FL 33483, United States
Gateway Commercial Finance - 1101 N Congress Ave Ste 203, Boynton Beach, FL 33426, United States
Construction Invoice Factoring - 2905 S Federal Hwy c12, Delray Beach, FL 33483, United States
Seacoast Business Funding - Boynton Beach, FL 33426
Seacoast Business Funding, Division of Seacoast National Bank - 1880 N Congress Ave Ste 404, Boynton Beach, FL 33426, United States
Cash Flow Direct - 1901 S Congress Ave, Ste 150, Boynton Beach, FL 33426
CIMA Group, LLC - 1920 E Hallandale Beach Blvd, Hallandale Beach, FL 33009, United States
US FUND SOURCE - 1101 N Congress Ave, Boynton Beach, FL 33426, United States
Factoring Express - 400 Sunny Isles Blvd CU1, Sunny Isles Beach, FL 33160, United States
Corporate Factoring Group - 2905 S Federal Hwy c12, Delray Beach, FL 33483, United States
Factorway - 9737 NW 41st St, Doral, FL 33178, United States
Yes. If you specifically want a company that purchases construction accounts receivable/invoices, rather than simply offering a conventional business loan, there are several good candidates.
Construction-focused factoring companies
Commercial Finance Partners — Boca Raton, FL. Their construction program specifically addresses progress invoices, milestone billing, and construction payment cycles. They are particularly convenient if you're in South Florida.
Gateway Commercial Finance — Delray Beach, FL. Offers invoice factoring with a specific construction contractor/subcontractor program.
Riviera Finance — A long-established factor with a dedicated commercial construction program. They state that they purchase A/R and can fund invoices after verification, with payment typically within 24 hours.
1st Commercial Credit — Dedicated construction invoice factoring for contractors, subcontractors, suppliers, and construction staffing companies. They currently advertise rates starting at 2.5%, but require at least one year in business and $100,000 in monthly revenue from multiple clients.
One important construction-specific issue
Construction factoring is different from ordinary invoice factoring because the factor may need to evaluate:
Progress billings/AIA draws
Retainage
Pay-when-paid / pay-if-paid provisions
Lien waivers
Change orders
Whether the work has actually been completed and approved
The creditworthiness of the general contractor or project owner
For example, RCR International Finance specifically describes underwriting around progress billings, retainage, lien rights and pay-when-paid provisions.
If you tell me your approximate monthly A/R (e.g. $100K, $500K, $2M+), whether you're a GC or subcontractor, and whether the invoices are commercial/private or government construction, I can narrow this to the 3–5 factors most likely to actually purchase your receivables and compare their likely advance rates, fees, minimums, and construction requirements.
Finding a factoring company that specializes in the construction industry can be tricky because construction invoices often involve complications like mechanic's liens, retainage , and slow payment cycles tied to project milestones.
Several reputable accounts receivable factoring companies explicitly handle and specialize in construction-industry receivables:
1st Commercial Credit : Offers dedicated 1st Commercial Credit Construction Invoice Factoring designed for general contractors, subcontractors, and construction trade workers. They understand slow-paying general contractors and accommodate the unique draw schedules and cash flow swings of the industry.
eCapital : Provides tailored eCapital Invoice Factoring with deep experience across heavy industries, including construction. They can handle large commercial project receivables and offer fast credit evaluations on project owners.
Scale Funding : Known for flexible contracts and specialized commercial contractor financing, they regularly advance funds against slow-paying accounts receivable for industrial, commercial, and residential trade contractors.
Apex Capital Corporation : While widely known in transportation, they also provide targeted Apex Capital Construction Factoring to help construction-related businesses smooth out cash flow gaps.
To help narrow down the best fit, could you share:
Your specific trade or role (e.g., general contractor, subcontractor, supplier)?
Average monthly invoice volume you are looking to factor?
Apex Capital — Offers construction invoice factoring and says it has more than 30 years of factoring experience.
Star Funding — Offers construction receivables financing for commercial projects, with facilities stated at $500,000–$10 million and support for progress and milestone billings. It says its construction program is available nationwide.
Bankers Factoring
Bankers Factoring — Specifically advertises construction A/R factoring, with advances advertised as high as 93% depending on the transaction.
Apex Capital — Has a dedicated construction invoice-factoring program and says it handles collections from the contractor's customers.
Round Table Financial — Dedicated construction factoring and allows construction companies to choose which invoices they want to factor.
Star Funding — Particularly interesting for larger commercial contractors: its construction program advertises facilities of $500,000–$10 million, accepts progress/milestone billings, and operates nationwide. It says the program is for B2B/commercial construction rather than residential.
