YOUR GC WON'T
PAY FOR 90 DAYS.
WE WILL TODAY.
You completed the work. You submitted the invoice. Now your general contractor is hiding behind "pay when paid" for another 90 days. Construction invoice factoring from Caliper Finance gets your subcontract invoices funded today — so you can make payroll and take on bigger jobs.
INVOICE FACTORING FOR
EVERY TRADE.
We specialize in subcontractor invoice financing for the MEP trades and beyond. Electrical contractors, HVAC companies, plumbing contractors, and other specialty subcontractors are the most cash-flow-constrained businesses in construction — and the most underserved by traditional lenders. We built our program specifically for you.
Electrical Contractors
HVAC / Mechanical
Plumbing Contractors
Concrete & Masonry
Drywall & Framing
Roofing
Steel & Ironwork
General Subcontractors
MOST FACTORING COMPANIES
WON'T TOUCH CONSTRUCTION.
Most factoring companies reject construction invoices outright because of progress billing, retainage holdbacks, and lien waiver requirements. We are one of the few finance brokers who actually understands these complexities — and has lender partners who specialize in construction invoice factoring. If your GC won't pay your invoice on time, we have a solution built specifically for your trade.
Progress Billing Accepted
We fund partial completion invoices, not just final invoices. Bill as you complete work.
Retainage Handled Correctly
We know retainage can't be factored. We work around it properly so you're not left short.
Lien Waiver Management
Our lender partners manage the lien waiver process so you don't have to navigate it alone.
Mobilization Funding Available
Need capital before the first invoice? We have partners who fund against the subcontract itself.
WHY SUBCONTRACTORS
ARE STARVED FOR CASH.
Average payment delay for construction subcontractors in 2025
Value of outstanding subcontractor invoices in the US at any given time
Of contractors report cash flow as their #1 business challenge
Advance rate on your invoice — cash in your account today
HOW TO GET PAID FASTER
AS A SUBCONTRACTOR.
Qualifying for construction invoice factoring is simpler than you think. Here is what we need to get you funded.
A Signed Subcontract
You need a signed subcontract or purchase order from a creditworthy general contractor. The GC's credit is what matters, not yours.
A Submitted Invoice
You need at least one outstanding invoice for completed or in-progress work. Progress billing invoices are accepted.
That's It
No minimum revenue. No minimum time in business. Approvals are focused more on the strength of the receivable.