Compare the fit

Construction factoring companies: compare providers

Find factors that explicitly discuss construction invoices. Compare the work and receivables they accept, then ask about progress billing, retainage and payment disputes.

4 providers · Sources checked October 31, 2026 · Alphabetical order

Compare providers

What to compare first

The invoice type

Tell the factor whether you bill for completed work, progress milestones or delivered materials. Confirm each invoice type is eligible.

Retainage and approvals

Ask how retainage, pay applications, customer acceptance and conditional payment terms affect the amount available.

Customer and project risk

Provide the customer, project, invoice aging and any disputes. Ask what documentation and notices are required before funding.

Providers to compare

Each provider below publishes information supporting this specific use. This is a sourced shortlist, not a ranking or an approval decision. Factoring is a purchase of receivables, rather than a conventional business loan.

Compare published requirements and the questions still to resolve
Provider	Published eligibility	Terms and costs	Ask before choosing
Bankers Factoring	Invoices to reliable general contractors or commercial clients; no performance bond on factored invoices. Commercial or government jobs; residential subcontractors may qualify when working for a strong-credit national builder.	Monthly invoicing minimum (USD): 40,000.	Page advertises bad-debt protection but does not fully specify exclusions; confirm contractual recourse terms. The page presents inconsistent advance percentages; no single advance rate is recommended for comparison.
Capstone Corporate Funding	Completed work or progress-payment invoices verified with the customer; single-invoice program requires satisfactory performance and acknowledgement that payment will be made to Capstone.	Single-invoice program states no multi-year contract or minimum number of invoices; due-diligence, search and filing charges may apply.	Confirm retainage and progress-payment eligibility, assignment acknowledgment, due-diligence costs, lien releases and whether a performance bond affects eligibility.
Factor Funding	Construction businesses of all sizes, including startups and companies with imperfect credit, may qualify against invoices.	General pricing page states most cases have no monthly minimum volume, but the provider prefers at least $10,000 per month. Confirm the program-specific requirement.	Progress billing, retainage and bonded-invoice acceptance are not established by this source.
Gateway Commercial Finance	B2B invoices for finished services or due progress payments, within accepted invoice terms; supporting documents may include lien releases, change orders, timesheets or progress reports.	Both recourse and non-recourse factoring options; the applicable agreement determines terms. Published volume policy: No monthly minimums required.	Confirm the advance, reserve, full fee schedule, invoice commitments and contract exit terms in writing.

Bankers Factoring

Factoring provider

Publishes a $40,000 monthly invoicing minimum and excludes performance-bonded invoices.

Who it serves: Invoices to reliable general contractors or commercial clients; no performance bond on factored invoices. Commercial or government jobs; residential subcontractors may qualify when working for a strong-credit national builder.
Published terms: Monthly invoicing minimum (USD): 40,000.
Service area: Not established by the sources reviewed. Confirm with the provider.

Ask before applying

Page advertises bad-debt protection but does not fully specify exclusions; confirm contractual recourse terms. The page presents inconsistent advance percentages; no single advance rate is recommended for comparison.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

Provider program details

Capstone Corporate Funding

Factoring provider

Explicitly supports progress-payment invoices and single-invoice construction factoring.

Who it serves: Completed work or progress-payment invoices verified with the customer; single-invoice program requires satisfactory performance and acknowledgement that payment will be made to Capstone.
Published terms: Single-invoice program states no multi-year contract or minimum number of invoices; due-diligence, search and filing charges may apply.
Service area: Not established by the sources reviewed. Confirm with the provider.

Ask before applying

Confirm retainage and progress-payment eligibility, assignment acknowledgment, due-diligence costs, lien releases and whether a performance bond affects eligibility.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

Factor Funding

Factoring provider

Factoring for eligible completed-work invoices. Generally no monthly minimum in most cases; provider prefers $10,000 per month. Confirm the exact program commitment.

Who it serves: Construction businesses of all sizes, including startups and companies with imperfect credit, may qualify against invoices.
Published terms: General pricing page states most cases have no monthly minimum volume, but the provider prefers at least $10,000 per month. Confirm the program-specific requirement.
Service area: Not established by the sources reviewed. Confirm with the provider.

Ask before applying

Progress billing, retainage and bonded-invoice acceptance are not established by this source.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

Gateway Commercial Finance

Factoring provider

Offers selective invoice factoring, including progress payments, with both recourse and non-recourse options and no monthly minimums stated.

Who it serves: B2B invoices for finished services or due progress payments, within accepted invoice terms; supporting documents may include lien releases, change orders, timesheets or progress reports.
Published terms: Both recourse and non-recourse factoring options; the applicable agreement determines terms. Published volume policy: No monthly minimums required.
Service area: United States nationwide

Ask before applying

Confirm the advance, reserve, full fee schedule, invoice commitments and contract exit terms in writing.

Request an introduction View profile

Requests are held for team review.

Provider sources · October 31, 2026

How we selected these providers

We matched existing register profiles to their own published industry-specific factoring pages and FAQs. We included only providers with evidence for this comparison, kept program-specific conditions attached to the relevant program, and left unconfirmed terms unfilled. Provider order is alphabetical. Levr publishes this register; these are not the providers’ own pages or customer reviews. Published terms can change; request a written quote and agreement before choosing.

Suggest a correction · How register standing works

Questions before you choose

Will every factor accept construction invoices?

No. A general factoring offering is not evidence that construction receivables are eligible. These providers publish construction-specific information.

Can I factor retainage or progress payments?

Eligibility varies by provider and contract. Ask separately about retainage, unapproved work, progress billing and invoices subject to disputes.

Can subcontractors use factoring?

Some programs discuss subcontractors. Confirm the trade, contract and invoice type directly, rather than relying on a broad construction label.

Want help comparing your options?

A business loan broker can help assess the fit and arrange financing. Explore our sister register or browse the full financing category.

Find a factoring broker →Browse all factoring providers →

Understand the financing before comparing offers

Read the financing overview on BusinessLoanBroker.ai, then use this register to compare specific providers and their published programs.

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