Commercial and Civil Construction

Commercial and Civil Construction Industry Factoring

Running a contracting operation is not for the faint of heart – employee turnover, worker’s compensation, property and casualty insurance, payroll to cover, and never-ending equipment maintenance. Don’t let your equity be forever tied up in outstanding accounts receivables. We can help! 

What Is Construction Factoring?

Factoring is not a loan. Instead, you sell your unpaid invoices to us and get up to 90% of their value within 24 hours. When your client or general contractor pays, you receive the rest—minus a small fee as low as 1%. This gives you fast, debt-free working capital to keep your business moving forward. 

Why Commercial Contractors Use Factoring

• Cover payroll on time

• Smooth out cash flow

• Pay overhead and taxes

• Hire additional staff

• Take on bigger contracts

• Expand into new markets

Why Choose Carter Funding?

• 30+ years of experience

• Applications approved in 24 hours

• Funds available within 3 business days (often same day)

• Advance rates up to 90%

• Dedicated account manager for personal support

• Approvals based on your client’s credit, not yours

We’ve helped commercial and civil contractors of all kinds—cabling, janitorial, steel erection, HVAC, electrical, plumbing—get the cash they need to grow.

Don’t let slow payments stall your business. Call Carter Funding today and bridge your cash flow gap with confidence.