If you’re building anything in the U.S.—whether it’s homes, heavy equipment, or a next-gen construction tech startup—then you’ve probably felt the same frustration:
You’re doing the work, but the money takes forever to show up.
Whether you’re a manufacturer waiting 60 days to get paid by a contractor, or a construction startup juggling payroll while a big client delays payment, it creates stress, stalls progress, and limits your ability to grow.
What if you could unlock that money right now—without waiting, without loans, and without taking on debt?
That’s exactly what invoice factoring makes possible. And it’s one of the smartest financial strategies you’ve probably never fully explored.
What is Invoice Factoring?
Let’s say your construction company delivers a $100,000 job or order. You invoice the client—and they say they’ll pay in 45 to 60 days.
Now, you have expenses: labor, materials, permits, overhead. But your money is stuck in limbo.
Instead of waiting, you can sell that invoice to a factoring company like Factor & Fund, and get paid up to 90% of the value within 24 hours.
When your client finally pays, the factoring company sends you the remaining balance, minus a small fee.
This isn’t a loan. There’s no debt, no credit check required on your business, and no interest payments. It’s simply getting paid faster for the work you’ve already done.
Why Construction Startups & Manufacturers Are Turning to Factoring
Invoice factoring is becoming a go-to tool in industries like construction and manufacturing where:
- Payments are often slow
- Upfront costs are high
- Cash flow is critical to operations and growth
Here’s why it works so well:
1. Fast Access to Cash Without Loans
You can’t afford to pause your project or halt production while waiting on payments. Factoring puts cash in your hands fast—so you can keep moving.
2. Easier Than Bank Financing
Traditional financing is slow, paperwork-heavy, and often unavailable for younger companies. Factoring approval is based on your customer’s credit, not yours.
3. Scale Projects Without Equity or Debt
Need to hire more crew, buy raw materials, or take on a larger contract? Use your invoices as working capital. No loans, no investors.
4. Smooth Out Cash Flow
Even in a good year, construction is lumpy. You’re either getting ready for a big job or wrapping one up. Factoring bridges the gap between the work and the paycheck.
Real-World Example
Imagine a manufacturer of construction supplies just secured a massive deal with a national home builder. The builder agrees to net 60 terms—great exposure, but tough cash flow.
The manufacturer needs to buy materials, pay staff, and ship product—before the money arrives.
By factoring the $250,000 invoice with Factor & Fund, they receive $225,000 within 24 hours, giving them the liquidity to move forward without taking on debt, without chasing the client, and without slowing down.
Why Factor & Fund?
There are plenty of finance companies out there, but few understand construction, manufacturing, and the startup mindset the way Factor & Fund does.
Here’s what makes us different:
- Speed: Cash in your account within 24 hours of approval
- Flexibility: No contracts, no minimums—factor when you want
- Transparency: Clear pricing, no hidden fees
- U.S.-based and California-licensed
- Built for founders and operators, not bankers
Whether you’re producing rebar, drywall, smart building sensors, or installing solar on rooftops—you shouldn’t have to wait to grow.
Ready to Take the Next Step?
Invoice factoring could be the difference between staying stuck and scaling fast.
If you’re in construction or manufacturing and you’re tired of waiting to get paid, let’s talk.
Visit factorandfund.com to learn more or request a free consultation. There’s no obligation—just a simple, real conversation about what’s possible when your cash flow works on your timeline.
About Factor & Fund
Factor & Fund is a California-based invoice factoring company helping construction firms, manufacturers, and startups across the U.S. turn invoices into cash—fast. With no contracts, no debt, and no long approvals, we help you keep building without slowing down.