Invoice Factoring & Working Capital for Government Contractors
Waiting on invoice payments can stall your entire operation. OperatorsHub gives government contractors a faster path to the capital they need to keep moving.
Partnership
Partnered with CapFlow Funding Group™ to Solve Contractor Cash Flow
Seasonal and contract-based industries run on tight timelines and even tighter cash flow. Government contracts, VIPR assignments, and large-scale construction projects often mean waiting 30, 60, or 90+ days for payment while operational costs stack up. That gap can stall equipment purchases, delay crew deployment, and put entire seasons at risk. We chose CapFlow Funding Group™ because they understand that reality. Their team has funded over $1 billion in working capital across thousands of American businesses, with specific experience in invoice factoring, credit lines, and receivables-based solutions for companies that run on contract and project timelines.
Financing That Matches How You Work
The financing options available through this partnership are structured around the seasonal surges, contract timelines, and rapid deployment cycles that define these industries.
A Track Record With Contractors
CapFlow’s team has direct experience working with contract-based businesses across the country. They understand the realities of government payment timelines and the operational pressure that comes with waiting on receivables.
$1 Billion+ Funded to American Businesses
CapFlow has provided working capital to thousands of businesses nationwide, spanning industries that depend on B2B invoicing and government contracts to stay operational.
Solutions
Financing Solutions for Contractors & Employers OperatorsHub
Through this partnership, OperatorsHub members have access to multiple working capital products tailored to contract-heavy industries. Each solution addresses a different cash flow challenge, from converting unpaid invoices to establishing flexible credit lines backed by your receivables.
Invoice Factoring
Government and commercial invoices can take months to pay out. Invoice factoring lets you convert those outstanding receivables into cash now, so you’re not stuck waiting while payroll, fuel, and equipment costs keep adding up.
Key Details:
- Funding available up to $3 million based on your receivables.
- Put capital toward crew payroll, equipment, fuel, and deployment costs.
- Close the gap between completed work and incoming payments.
- Available to wildfire, construction, disaster response, and government contractors with qualifying invoices.
2nd Position Factoring
Already have a first position lien or existing financing? 2nd Position Factoring works alongside your current arrangement to unlock additional working capital without disrupting what’s already in place.
Key Details:
- Works alongside your current financing without replacing it, sitting behind an existing first-position lien.
- Built for businesses with $50K to $25MM in monthly revenue that need additional liquidity.
- Keeps your existing financial relationships intact while opening up new capital.
FactorLOC™: Factoring Line of Credit
FactorLOC™ gives you on-demand access to working capital using your unpaid invoices as collateral. Unlike traditional factoring, you draw funds only when you need them, giving you flexibility without overcommitting.
Key Details:
- Draw working capital as needed, backed by your unpaid invoices. You choose when and how much to access.
- Your clients are never notified. No notice of assignment means you can use the credit line without affecting client relationships.
- Built for unpredictable timelines. Whether it’s a fire season callout, a storm deployment, or an emergency project, capital is available when the work hits.
Contractors
Built for Contractors Who Can't Afford to Wait
These financing solutions are designed for businesses that operate on contract cycles, government timelines, and seasonal demand. If your revenue depends on invoices that take weeks or months to pay out, this partnership was built for you.
Wildfire Contractors
VIPR-listed operators, CAL FIRE vendors, and other wildfire service providers dealing with government payment cycles during high-demand fire season.
Construction Firms
General contractors, heavy equipment operators, and specialty trades working on commercial or government-funded construction projects.
Disaster Response Teams
Emergency response contractors deployed for storm recovery, flood mitigation, and federal disaster relief operations.
Government and B2B Contractors
Any business holding government contracts or large commercial accounts with extended payment terms.
Process
How the Working Capital Application Process Works
Applying through OperatorsHub means you skip the standard intake process. As a certified reseller, we connect you directly with CapFlow’s team through a streamlined application built for the industries we serve.
1. Get Introduced
Start by reaching out through OperatorsHub. As a certified reseller, we connect you with CapFlow’s team directly, no cold outreach or general intake forms.
2. Fast-Track Application
Complete a streamlined application designed for wildfire, construction, and disaster response contractors. This expedited process is only available through the OperatorsHub reseller program.
3. Underwriting Review
CapFlow’s underwriting team evaluates your application and financials. Expect clear communication and a quick turnaround.
4. Get Funded
Once approved, convert your invoices into working capital and put it toward your operation. No more sitting on unpaid receivables while costs pile up.
Requirements
Contractor Financing Qualifications
These working capital products are designed for established businesses with active receivables. Here’s what you’ll need to get started:
- See only qualified candidates: Filter by certifications, location, and availability. No scrolling through unqualified applicants.
- Fill positions faster: Post a job and connect with operators who are ready to work now.
- Build your go-to roster: Save top performers and rehire with one click. No rebuilding every season.
FAQs
Frequently Asked Questions
What is invoice factoring?
Invoice factoring is a financing method where a business sells its unpaid invoices to a third party, called a factor, in exchange for immediate cash. It is not a loan. There is no debt created and no repayment schedule. The factor collects payment directly from your client when the invoice comes due, then sends you the remaining balance minus a fee. For a more detailed explanation, the International Factoring Association provides a helpful overview.
Is invoice factoring a loan?
No. Unlike a traditional loan, factoring does not create debt on your balance sheet. You are selling an asset (your invoice) for immediate capital. There are no monthly repayments, no interest charges, and no long-term obligations tied to the transaction.
What types of invoices qualify?
Generally, invoices issued to creditworthy commercial or government clients with standard payment terms (net-30, net-60, net-90) are eligible. This includes federal government contracts, state and local agency work, and B2B commercial accounts. If your business holds VIPR, CAL FIRE, FEMA, or other government-funded contracts, those invoices are typically strong candidates for factoring.
How fast can I get funded?
Timelines vary depending on the product and the details of your application. Applying through OperatorsHub’s certified reseller program gives you access to an expedited process designed to reduce wait times compared to standard intake channels. Contact CapFlow through our application for specific turnaround estimates.
Do I need strong credit to qualify?
Invoice factoring is primarily based on the creditworthiness of your clients, not your own credit history. Because the factor is collecting payment from the company or agency that owes on the invoice, their ability to pay is the main consideration. This makes factoring accessible to businesses that may not qualify for traditional bank financing.
What is the difference between invoice factoring and FactorLOC™?
With standard invoice factoring, you sell specific invoices and receive capital for each one. FactorLOC™ works more like a revolving line of credit backed by your receivables. You draw funds as needed rather than selling individual invoices, and your clients are never notified. FactorLOC™ offers more flexibility for businesses that want on-demand access to capital without committing to a per-invoice arrangement.
Do I have to be registered on SAM.gov to use these services?
SAM.gov registration is not a requirement for invoice factoring. However, if your business holds or plans to bid on federal government contracts, you will need an active SAM.gov registration. The SBA’s federal contracting guide is a good starting point for understanding government contracting requirements.
Stop Waiting on Payments. Get Funded Today.
Apply through OperatorsHub for an expedited working capital application with CapFlow Funding Group™. Fast financing, built for contractors who can’t afford to wait.
