If you provide construction services you know the hardest part can be getting paid. Bridge the working capital gaps with the reliability and security of Capstone.

Many construction contractors and subcontractors struggle to find financing for their businesses.

Mainstream financing institutions have tightened their lending standards as a result of stricter regulations compounded by issues from the current financial crisis. Making payments on critical expenses including payroll, insurance, equipment, and vendor/supplier invoices are routine but unnecessary challenges.

The solution is to obtain immediate cash for your invoices and progress payments through Capstone’s Construction Factoring Service.

That’s Where Capstone’s Construction Factoring Comes In.

It is rare that a Contractor or Subcontractor has all of the resources needed upfront to complete large projects. That’s where choosing the right construction funding solution comes into play.

Both Subcontractors, and the General Contractors they are working under, can benefit from having a reliable source of construction financing.

With funds you can depend on you can:

  • Balance multiple jobs simultaneously
  • Take on larger projects
  • Always have funds available for payroll
  • Make timely payments to the vendors & suppliers
  • Have funds to mobilize on job sites

Typically most clients are able to negotiate better pricing and terms for materials or with vendors which offsets the factoring fee. Construction factoring credit lines can be almost unlimited as the focus is on the credit of the general contractor or commercial client and is cheaper than a bank loan.

How to determine if Capstone’s Construction Factoring is right for you:

Construction Financing For General Contractors

Similar to Subcontractors, General Contractors want to have the freedom to take on jobs knowing that they will have their financial bases covered. Whether you are starting to bid on larger projects, or are taking on new jobs for existing customers, having the cash flow you need at the right time can ensure you follow through successfully without financial setbacks.

How it Works

Single Invoice Factoring

Single Invoice Factoring is another solution to help provide capital to General Contractors and Subcontractors. Factoring allows a contractor, subcontractor, or company to alleviate some of the financial burden caused by providing payment terms to customers by transferring the payment risk to a third-party. Factoring provides you capital from the expected customer payments by selling those receivables to Capstone in exchange for a cash advance. With Single Invoice Factoring, this can be a one-time occurrence or as needed. There is no obligation to sell all invoices, making it ideal for construction financing. While other forms of Factoring require multi-year contracts, Single Invoice Factoring is available to you whenever you need it, be it tomorrow or a month from now.

Industries We Serve

  • Roofing & Siding
  • Electrical, Plumbing, Heating, and Air-Conditioning
  • Building Equipment
  • Drywall and Insulation
  • Flooring, Painting and Wall Covering
  • Tile and Terrazzo
  • Finish Carpentry
  • Building Finishing
  • Site Preparation


  • Industrial, Commercial and Institutional
  • Water and Sewer
  • Oil and Gas
  • Power and Communication
  • Highway, Street, and Bridge
  • Heavy and Civil Engineering
  • Poured Concrete Foundation and Structure
  • Structural Steel and Precast Concrete
  • Framing & Masonry

Disadvantaged Business Enterprises

Starting a business from scratch can be challenging enough. When you are an entrepreneur with a disability or are a veteran, you will likely face even more challenges with starting out. Capstone believes in giving disadvantaged or minority businesses every opportunity to equip themselves with the tools needed for success. Entrepreneurs should not be held back from achieving their business goals because of physical or other hindrances.

We understand that there are certain barriers to market entry that sometimes exist for disadvantaged business owners, and we believe in doing our part to eliminate that barrier. MBE/DBE and Veteran Owned Businesses, whether a General Contractor or Subcontractor, can benefit from either program described above when pursuing construction financing. Capstone is a leader in providing financing to this essential component of our economy and has championed its funding to support outreach to major public works projects throughout the country.

If you are a General Contractor, Subcontractor, or an MBE/DBE or Veteran Owned Business, don’t let the lack of capital hold you back from accepting a project that can bring your business to the next level.

Start accelerating business cash flow, contact Capstone today. Please call us at (212) 755-3636. One of our highly-trained representatives will walk you through our financial solutions and offer you a specialized plan to help you start accomplishing your goals. If you have any doubts or questions, they will be able to clarify how our products can help your business start achieving success today.

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