Government Invoice Factoring

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Finally landing a government contract is a dream come true for many small to mid-sized businesses. It can be the difference between simply holding your own in the market and being able to finally plan on expansion, growth and even getting into new markets.

The Advantages

Many different companies may provide direct sales or services to different levels of the government from local to federal. This can include manufacturing jobs, supplying staff, completing IT services or even providing security or janitorial services.

The benefits of a government contract include several important issues for a business. One of the most relevant is the guaranteed work and the confidence that the buyer, the government, is not going to default on their payment of the account.

Additionally, having one government contract is getting your foot in the door to obtain others. You become more familiar with the bid submission process, and you also gain insight into just what to include in writing your next bid.

You can also be sure that if you are staffing or providing service professionals, they will be working in safe, regulated environments. Additionally, with a government contract you also have the advantage of having the contract renewed, something that is essential to long-term business growth.

The Challenges

However, it isn’t long into the contract that a small business starts to discover that doing business with the government has its own unique set of challenges. This would be better worded if you use the work payments take up to 90 days to be received. They should know the terms of the invoice prior to taking on the job, and there can be real challenges in getting payment on time.

At United Capital Funding, we have worked with businesses of all sizes across the nation with government contracts. Our team of experts in government invoice factoring understands the difficulties of these types of contracts where election years, holidays, government shutdowns or even votes can hold up or delay payments for days, weeks or even longer.

The United Capital Funding Option

While a business owner may consider a bank loan as their only option, for a new business or a business with a low credit score this is simply not a possibility. Even for an established business with a great credit rating the bank loan option can take weeks or months to provide the funding, which can leave your business scrambling to make payroll, buy equipment and supplies or to simply cover operating costs.

By choosing the option of government invoice factoring your business can have funding of up to 80% of your government accounts receivable in just days of the application. We hold back (reserves) about 20% and, once the invoice is paid, we deduct our pre-arranged fees and provide the residual to your account. Transparent, simple and streamlined, this is the most effective way to get working capital once you have invoiced the government agency.

With our extensive experience in working with local, municipal, state and federal government agencies approval can be completed within 24 hours of your online. Our staff of experts in providing factoring for government contracts can also answer your questions and ensure you understand the process. We will also ensure that all of our receivables funding will be in full compliance with regulations including applicable Federal Acquisition Regulations and the Assignment of Claims Act.

It is important to work with a factor that has experience with government contracts. Our industry experts can provide invaluable information to your business, plus we have extensive experience in working with the various government agencies, providing seamless service to our clients.

To get started, call United Capital Funding today. We will walk you through the application process, and make sure you are fully informed of what to expect and when the funds will be in your account. To get started, contact our government invoice factoring specialists today at 877-894-8232.

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Why Choose Us? It’s Simple

Account Receiveable Factoring Benefits

  • What Makes Us Different

  • What Makes Us Different?

    We are experts in helping businesses and contractors that provide products and services to the government (Federal, State, Local, Municipal) grow, fund payroll and prosper.

    Most businesses working for the government don’t have a lot of fixed assets, like machinery or inventory. And most lenders don’t understand that one of your largest and most valuable assets is your accounts receivables or invoices that you have sent to the government or your joint venture partner for the time worked and billed, or the product that you supplied the government. We do!

    We are experts in dealing with all facets of government work, including, but not limited to, working with your CO, documentation requirements like Notice of Assignment and Assignment of Claim forms. Due to our nearly 15 years of government experience, we are able to do what most banks wouldn’t even consider; use your government invoices as the only collateral for working capital you need to run and grow your business. We can do this even if you are a “start up” an 8(a) contractor, or have had a recent history of a less than profitable performance.

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Case Studies

Government Contracts Factoring Case Study: DOD Contractor

United Capital Funding was approached by a midsized ammunition manufacturer (ABC) based in Central Florida. The organization had a strong management team but the entity was thinly capitalized. ABC had recently upgraded and automated several of the manufacturing lines. During this process they purchased a great deal of equipment. Although the equipment was financed through bank financing, the capital expenditures hurt cash flow and limited ABC’s ability to finance their working capital through institutional channels.

ABC always had large accounts receivable balances due from the Federal government but they needed liquidity. United Capital Funding was able to structure a facility where they provided cash within 24 hours of an invoice being approved by the government. These advances enabled ABC to expand their operations and bid on additional government contracts. ABC was able to focus on manufacturing and sales. ABC no longer had to deal with the stress related to servicing payroll needs or keeping suppliers happy. ABC’s profitability increased over 500% during their relationship with United Capital Funding.

Government Contractors Financing Case Study: IT Staffing Company doing business with various government agencies including HUD, U.S.P.S. and GSA.

An IT staffing company was having difficulty meeting its working capital demands. The company had traditional bank financing in place but they were constantly bumping up against the credit line maximum imposed by the bank. At the same time, the bank continued to impose stricter loan covenants. The bank’s strategy made it nearly impossible for the entity to expand. The company was doing business with various government agencies including HUD, U.S.P.S. and GSA.

The company evaluated a factoring strategy to replace the traditional financing. In five days United Capital Funding paid off the bank and freed up more than $500,000 for the company. This approach provided the company with the ability to procure new government contracts without having to be concerned that they may not have enough capital to meet the payroll requirements.

Invoice Factoring of Government Contracts Case Study: Public Relations Company serving various government agencies including the Center of Disease Control and Prevention, and the Centers for Medicare and Medicaid Services.

The upfront demands for working capital in the marketing/PR space require businesses in that arena to have a very large amount of working capital. Various media outlets require payment up front for advertising. In many cases, the businesses have minimal fixed assets and have difficulty procuring credit. United Capital Funding was able to leverage amounts due from various government agencies including the Center of Disease Control and Prevention and the Centers for Medicare and Medicaid Services to provide the company with the working capital it needed to meet the demands of the media outlets.

Companies that benefit from factoring of government receivables may be contractors for federal, state or county contracts. In many cases, MWOB (Minority and Women Owned Businesses) and SBA 8(a) organizations are eligible to factor government receivables.

When working with the Federal Government, any receivables funding must follow the guidelines set forth in the Assignment of Claims Act and the processes set forth in the Federal Acquisition Regulations. United Capital Funding is an expert in these processes.

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Federal Government Agencies We’ve Worked With

  • Board of Governors Federal Reserve System

    Bureau of Alcohol, Tobacco and Explosives

    Centers for Disease Control

    Central Intelligence Agency

    Department of Agriculture

    Department of Commerce

    Department of Defense

    Department of Energy

    Department of Justice

    Department of State

    Department of the Air Force

    Department of the Army

    Department of the Navy

    Department of Transportation

    Department of Veteran Affairs

    DFAS

    Federal Aviation Administration

    Federal Bureau of Investigation

    Federal Emergency Management Agency

  • Federal Home Loan bank

    General Services Administration

    NASA

    National Gallery of Art

    National Guard

    National Park Service

    TVA

    U.S. Army Corps of Engineers

    U.S. Department of Commerce

    U.S. Department of Homeland Security

    U.S. Department of Housing and Urban Development

    U.S. Department of the Interior

    U.S. Fish and Wildlife Service

    United States Army Reserve

    United States Coast Guard

    United States Department of Agriculture

    United States Environmental Protection Agency

    United States Olympic Committee

    United States Postal Service

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State Governments We Have worked With

  • Alabama

    Alaska

    Arizona

    Arkansas

    California

    Colorado

    Connecticut

    Delaware

    Florida

  • Georgia

    Hawaii

    Idaho

    Illinois

    Maryland

    Massachusetts

    Michigan

    Minnesota

    Missouri

  • Montana

    Nevada

    New Hampshire

    New Jersey

    New York

    Oklahoma

    Pennsylvania

    Rhode Island

    South Carolina

  • South Dakota

    Tennessee

    Texas

    Utah

    Virginia

    Washington

    Wisconsin

  • Do you need working capital?

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Non Profit Agencies We Have Worked With

  • AARP Foundation

    American Cancer Society

    American Constitutional Society

    American Diabetes Association

    American Federation of Government

    American Heart Association

    American Red Cross

    Americans for Immigration Control

    Americans for Peace Now

    Asia Society

    Boy Scouts of America

    Boys and Girls Club of America

    Children’s Hospital of Atlanta

    Common Cause Education Fund

    Drug Policy Alliance

    Farm Sanctuary

    Goodwill Industries

  • Habitat for Humanity

    Helen Keller International

    Marine Toys for Tots

    Muscular Dystrophy Association

    National Aquarium

    National Art Gallery

    National Center for Missing and Exploited Children

    Nature Conservancy

    Planned Parenthood

    Prevention of Blindness Society

    Salvation Army

    Special Olympics

    St. Jude Children’s Research

    The Humane Society of the United States

    The Y

    United Steel Workers

    United Way