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Contractor Financing
Factoring in the construction industry

We provide financing for general and sub-contractors looking for immediate cash to take their business to the next level.

Our accounts receivable financing program works well for contractors doing commercial or government projects to get the cash needed to help fund their business and take on larger contracts. We are able to provide a quick influx of cash by factoring the contractor’s current accounts receivable. This provides debt free working capital to help meet some of the many challenges a contractor faces such as paying employees and suppliers on time.


What this means is that as a contractor you no longer have to wait 30 to 60 days or more to get paid. Contractor factoring is a great way to improve cash flow by eliminating long payment delays. If you are a sub-contractor waiting to get paid by the general or a general waiting to get paid by a customer (developer or owner), you can expect payment in as little as 2 days once the invoices are verified. Contractor factoring when compared to bank financing is easy to obtain and can be set up in a matter of days.

If you are a new or growing company, sometimes getting the proper financing can be a problem. Quite often, for many companies, bank financing is either unavailable or too slow to help take advantage of an opportunity. The bottom line is contractor factoring is a financing solution that can provide funding quickly and effectively. This type of funding can help you meet current expenses and take on larger jobs to increase your bottom line.

How it works
If you have completed work or performed a service for a creditworthy general contractor, sub-contractor or owner on a government project, then you can qualify for our contractor factoring financing.

As soon as we receive confirmation that the service has been rendered or job completed and approved, then we will advance up to 80% of the invoice amount. When the customer pays us, we will then send the balance – minus our discount- back to the client (contractor).

Some of the typical clients we work with in the construction industry:

• Appraisers
• Architects
• Asphalt
• Cable Companies - Contractors - Utility
• Carpenters
• Carpet
• Ceiling/Drywall
• Electrical Contractors
• Engineers
• Excavators
• Expediters
• Fire Sprinkler Contractors
• Flooring
• General Contractors
• Inspectors
• Landscapers
• Manufacturers
• Paving
• Plumbing
• Roofing
• Security Firms
• Space Planners
• Steel Fabricators
• Supply Houses
• Tile Contractors
• Underground Utilities


LDG Business Funding has an association with a nationally recognized provider of value added accounts receivable financing whose contractor financing programs are specially designed to finance contracts with local, state and federal government agencies. They utilize the good credit of the entity ordering the products or services to finance the contractor or vendor who otherwise cannot take on the contract. Once the contract has been awarded they can provide you with a line of credit that will help you to properly execute these public works contracts. The contractor wins by accepting and executing new business opportunities that will take them to the next level. They work with companies throughout the United States and Canada with financing needs from $100,000 to $1,000,000 and more.

They offer creative solutions for businesses and can work with situations such as:

  • Short time in business/startup
  • Poor credit history
  • Bankruptcy
  • Tax liens
  • Undercapitalization

They are able to coordinate a host of related contractor services such as:

  • Bonding
  • Estimating
  • Project Management
  • Construction Mentoring

Additionally, their Resource Monitoring Service, which is the outsourcing of accounts payable, reassures lenders, surety bond companies, property owners, developers, contractors and subcontractors that monies intended to pay bills for a specific project are used for that project. The financial progress of the project is closely monitored and provided with timely cost status reports that keep everyone informed. This service is often used when a contractor is having difficulty obtaining financing or a bond. Surety companies, lenders and owners are now provided additional reassurance with this service that the project will remain financially stable.

By using Resource Monitoring Services, you can:

  • Take advantage of the additional credit often unavailable
  • Minimize, and often eliminate, additional credit control requirements
  • Streamline in house accounting functions
  • Evaluate the financial status of a project through the reports provided with each draw
  • Negotiate prompt payment discounts with your suppliers, directly increasing your bottom-line

Contact LDG Business funding to find out how our Contractor Financing programs may benefit you.